Central Delaware Habitat for Humanity Homeownership Program

Central Delaware Habitat for Humanity Homeownership Program是面向Dover，Delaware购房者的第一抵押贷款，由Central Delaware Habitat for Humanity (CDHFH)管理。 Central Delaware Habitat for Humanity's homeownership program helps income-qualified Kent County families buy a Habitat-built home with a 0% interest, affordable mortgage. Applicants accrue sweat equity hours, complete financial literacy training and homebuyer readiness workshops, and attend a mandatory Informational Orientation. Selection is based on ability to pay, willingness to partner, and need for shelter. 0% interest affordable mortgage. Payment around 25% of gross monthly income. Build-your-own-home model. Financial education included. 资金来自Habitat for Humanity (donations, ReStore proceeds, volunteer/sweat-equity construction)。

Central Delaware Habitat for Humanity Homeownership Program是第一抵押贷款，按Central Delaware Habitat for Humanity (CDHFH)设定的条款偿还。 该援助以First顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Central Delaware Habitat for Humanity Homeownership Program面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：Need-based Habitat program。 关于信用，该项目说明：Creditworthiness assessed in combination with income; specific minimum not published。 须参加购房者教育课程，由CDHFH financial literacy training and homebuyer readiness workshops; mandatory Informational Orientation提供。 居住要求：Must be a resident of or work in Kent County for 12 consecutive months。 Must live or work in Kent County for 12 consecutive months. $25/$50 credit report fee. Minimum credit score and mortgage term not numerically published. Settlement costs are buyer's responsibility.

Central Delaware Habitat for Humanity Homeownership Program将家庭收入限制在地区收入中位数的60%，该数值因县和家庭人数而异。 Income must fall within HUD income guidelines for Kent County; table published at 30%, 50%, and 60% of median (median income $91,300 in 2026). 60%-of-median examples: 1 person $37,740; 2 $43,140; 3 $48,540; 4 $53,880; 5 $58,200; 6 $62,650; 7 $66,840; 8 $71,160. 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Central Delaware Habitat for Humanity Homeownership Program的房价上限如下：Home sold at affordable price set by Habitat; payment ~25% of gross monthly income。 符合条件的房屋类型包括Single Family。 新建房屋符合条件。 预制房屋不符合条件。

Central Delaware Habitat for Humanity Homeownership Program服务于在Dover，Delaware购房的购房者。

Central Delaware Habitat for Humanity Homeownership Program的申请通过Central Delaware Habitat for Humanity (CDHFH)办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Eligibility form, then loan application; applications considered in cycles预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。