Iowa Valley Habitat for Humanity Homeownership Program

Iowa Valley Habitat for Humanity Homeownership Program是面向Iowa City，Iowa购房者的首付援助，由Iowa Valley Habitat for Humanity管理。 Iowa Valley Habitat for Humanity builds and renovates affordable homes and sells them to income-qualified buyers with an affordable mortgage. Habitat secures financing through a partnership with local lenders and structures the payment so the homeowner spends no more than 30% of monthly income on housing costs. In lieu of a traditional down payment, each adult in the approved household contributes at least 250 hours of sweat equity and completes required education. Mortgage length is determined by income and terms are based on the buyer's credit score; no prepayment penalty. Serves Johnson, Cedar, Iowa, and Washington counties (criteria page also lists Louisa). Sale of a newly built or renovated home with an affordable mortgage. Housing payment capped at no more than 30% of monthly household income. 250 hours of sweat equity substitutes for a traditional cash down payment. Required financial literacy/homeowner education.

Iowa Valley Habitat for Humanity Homeownership Program是首付援助，按Iowa Valley Habitat for Humanity设定的条款偿还。 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。

Iowa Valley Habitat for Humanity Homeownership Program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：Applicants must have an acceptable credit status; financing terms (rate) are based on credit score; no minimum score published。 须参加购房者教育课程，由Horizons, A Family Service Alliance - Financial Wellness Center (HUD-accredited); plus Habitat classes on personal finance and home maintenance提供。 居住要求：Must live OR work in an eligible county (Johnson, Cedar, Iowa, or Washington; Louisa also listed on criteria page) for at least one year。 公民身份或移民身份：Must be a permanent legal U.S. resident or U.S. citizen。 staged from primary sources (iowavalleyhabitat.org); verify before publishing. Income-limit table is published only as an image so exact dollar amounts could not be machine-read; 40-80% AMI band confirmed. Affiliate does not publish a silent-second structure, so assistance_type set to other.

Iowa Valley Habitat for Humanity Homeownership Program的收入限制如下：Household total gross income must fall within 40-80% of the Area Median Income of the county of residence; limits vary by household size and are published as a table image on the Criteria and Application page (exact dollar figures not machine-readable). All wages and benefits counted (SSI, SSDI, retirement, alimony, VA benefits, child support). HUD-based, subject to change. 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。

Iowa Valley Habitat for Humanity Homeownership Program可用于Single Family。 新建房屋符合条件。 预制房屋不符合条件。

Iowa Valley Habitat for Humanity Homeownership Program服务于在Iowa City，Iowa购房的购房者。

Iowa Valley Habitat for Humanity Homeownership Program的申请通过Iowa Valley Habitat for Humanity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Wait list: applicants contact the office to be added; when a home can be built within 18-24 months the next names are invited to submit a completed application within 30 days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。