Habitat for Humanity Chicago Affordable Homeownership Program

Habitat for Humanity Chicago Affordable Homeownership Program是面向Chicago，Illinois购房者的第一抵押贷款，由Habitat for Humanity Chicago管理。 Habitat for Humanity Chicago provides a subsidized 0% interest first mortgage on newly constructed homes in Chicago's West Pullman, Greater Grand Crossing, and Austin neighborhoods. Homebuyers must demonstrate housing need (income below 80% Chicago AMI), ability to repay (income at or above 40% AMI, credit 620+, DTI <=43%), and willingness to partner (200-250 sweat equity hours over 8-14 months, monthly classes). Total housing payment does not exceed 30% of gross monthly income. A Shared Appreciation Agreement applies for the first half of the loan term. Habitat seeks down payment assistance (including DPP Advantage) on buyer's behalf. 0% interest mortgage. Housing payment capped at 30% of income. Habitat seeks DPA on buyer's behalf. Includes homeownership education and support. One-year construction warranty. Ongoing homeownership support workshops. 资金来自Habitat for Humanity Chicago organizational funds, grants, donations, DPP Advantage (when available), third-party assistance。

Habitat for Humanity Chicago Affordable Homeownership Program是第一抵押贷款，按Habitat for Humanity Chicago设定的条款偿还。 触发还款的情形：Full repayment required on sale; Shared Appreciation Agreement splits appreciation with Habitat during first half of loan term (e.g., 15 of 30 years) at diminishing rate。 该援助以First lien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 Chicago Affordable 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：Current homeowners ineligible。 关于信用，该项目说明：620 or higher required; 580-619 or invisible/no credit may be acceptable with alternate credit documentation。 须参加购房者教育课程，由Habitat Chicago in-house education classes and workshops; HUD-certified credit counselors recommended for pre-application preparation; Homebuyer University (separate public course offered by Habitat Chicago)提供。 居住要求：Must choose to live in West Pullman, Austin, or Greater Grand Crossing neighborhoods of Chicago。 公民身份或移民身份：Not stated; implied US-based。 Applicants must complete 200-250 sweat equity hours (including 100+ on build site) over 8-14 months. Must attend monthly homebuyer education classes. Cannot be current homeowner. No judgments. No bankruptcy in past 2 years. No foreclosure in past 3 years. Not a registered sex offender for serious violations. Application accepted year-round until all units sold.

Habitat for Humanity Chicago Affordable 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。 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 Chicago Affordable Homeownership Program的房价上限如下：Purchase price does not exceed Fair Market Value (appraised); set near closing based on updated appraisal。 符合条件的房屋类型包括single-family (new construction built by Habitat Chicago)。 新建房屋符合条件。 预制房屋不符合条件。

Habitat for Humanity Chicago Affordable Homeownership Program服务于在Chicago，Illinois购房的购房者。 该项目针对特定区域：West Pullman and Greater Grand Crossing neighborhoods, Chicago, IL. Homes also in Austin neighborhood. Buyer must live in one of these focus neighborhoods.

Habitat for Humanity Chicago Affordable Homeownership Program的申请通过Habitat for Humanity Chicago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Year-round application; limited to available units in West Pullman and Greater Grand Crossing neighborhoods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。