Sussex County Habitat for Humanity Homeownership Program

Sussex County Habitat for Humanity Homeownership Program是面向Georgetown，Delaware购房者的增值共享贷款，由Sussex County Habitat for Humanity (SCHFH)管理。 Sussex County Habitat for Humanity launched an updated Homeownership Program on February 2, 2026. Income-qualified Sussex County families purchase a Habitat-built home with a 0% interest affordable mortgage under a land-lease (community land trust) model: SCHFH retains land ownership under a 99-year renewable lease, lowering the purchase price, and a shared-appreciation formula preserves long-term affordability. Requires 200 sweat-equity hours, $4,000 at pre-application plus $2,000 during the program, 640+ credit, and financial education. 0% interest mortgage. Reduced purchase price via land lease. Permanent affordability. Financial coaching. Available in English, Spanish, Creole. 资金来自Habitat for Humanity (donations, ReStore proceeds, volunteer/sweat-equity construction); community land trust land retained by SCHFH。

Sussex County Habitat for Humanity Homeownership Program是增值共享贷款，按Sussex County Habitat for Humanity (SCHFH)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。

Sussex County 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：Minimum credit score of 640 at time of pre-application and throughout the program。 须参加购房者教育课程，由SCHFH monthly financial coaching and pre-purchase education sessions; one-time post-purchase education class提供。 居住要求：Must live and/or work in Sussex County with steady, reliable income。 Land-lease model means the homeowner does not own the land. 200 sweat-equity hours required (min 100 construction). $4,000 savings at pre-application plus $2,000 during program. Max 43% total DTI; housing cost burden no more than 30% of gross monthly income. No delinquent debt; two active trade lines for 12+ months. Updated program effective February 2, 2026.

Sussex County Habitat for Humanity 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。 Gross income must be between 30% and 80% of Sussex County AMI as set by HUD. 2026 30%/80% by family size - 1: $21,700/$57,800; 2: $24,800/$66,050; 3: $27,900/$74,300; 4: $33,000/$82,550; 5: $38,680/$89,200; 6: $44,360/$95,800; 7: $50,040/$102,400; 8: $55,720/$109,000. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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。

Sussex County Habitat for Humanity Homeownership Program的房价上限如下：Purchase price reduced via land lease (land not included in price)。 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。

Sussex County Habitat for Humanity Homeownership Program服务于在Georgetown，Delaware购房的购房者。

Sussex County Habitat for Humanity Homeownership Program的申请通过Sussex County Habitat for Humanity (SCHFH)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Pre-application questionnaire, then full application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。