Habitat for Humanity of New Castle County Homeownership Program

Habitat for Humanity of New Castle County Homeownership Program是面向Wilmington，Delaware购房者的第一抵押贷款，由Habitat for Humanity of New Castle County (HFHNCC)管理。 HFHNCC's Homeownership Program offers qualifying low- to moderate-income New Castle County residents the chance to purchase a Habitat-built home with a 0% interest mortgage. Buyers must complete sweat equity hours (~225), financial coaching, and homebuyer readiness workshops. Applicants must be 21+, live/work in New Castle County for 12 consecutive months, have 12 months of verifiable income, and meet 35-80% AMI HUD income guidelines. 0% interest mortgage. New construction homes. Financial education. No waiting list. 资金来自Habitat for Humanity (donations, ReStore proceeds, volunteer/sweat-equity construction)。

Habitat for Humanity of New Castle County Homeownership Program是第一抵押贷款，按Habitat for Humanity of New Castle County (HFHNCC)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。

Habitat for Humanity of New Castle County 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：Marketed as a first-time Habitat homebuyer program; need-for-housing based。 关于信用，该项目说明：Minimum credit score of 620。 须参加购房者教育课程，由HFHNCC financial coaching and homebuyer readiness workshops提供。 居住要求：Must live and/or work in New Castle County, Delaware consecutively within the past year。 Sweat equity required (~225 hours). Minimum age 21. Settlement costs are the buyer's responsibility. Exact required sweat-equity hours, DTI, and mortgage term not numerically published on the page.

Habitat for Humanity of New Castle County Homeownership Program将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Household income (gross income of all adults) must fall within 35-80% of current HUD AMI for New Castle County (2026 guidelines). 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。

Habitat for Humanity of New Castle County Homeownership Program的房价上限如下：Home is sold at an affordable price set by Habitat。 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。

Habitat for Humanity of New Castle County Homeownership Program服务于在Wilmington，Delaware购房的购房者。

Habitat for Humanity of New Castle County Homeownership Program的申请通过Habitat for Humanity of New Castle County (HFHNCC)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Application packet submitted in person; approvals tied to current builds (no waiting list)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。