Wichita Habitat for Humanity Homeownership Program

Wichita Habitat for Humanity Homeownership Program是面向Wichita，Kansas购房者的第一抵押贷款，由Wichita Habitat for Humanity管理。 Wichita Habitat for Humanity provides qualifying households earning 35%-80% of Sedgwick County AMI the opportunity to purchase a Habitat-built or rehabilitated home through a 20- to 30-year, 0% interest mortgage with no down payment required. Families partner with Habitat by contributing 250-400 sweat equity hours in home construction, attending homebuyer education classes, and saving approximately $2,000 for closing costs. Applications are accepted each May. 0% interest mortgage (20-30 year term). No down payment required. No minimum credit score. Covers purchase of Habitat-built home in Sedgwick County. No foreclosures via Habitat's support. 资金来自Habitat for Humanity donations and FHLB Topeka grants。

Wichita Habitat for Humanity Homeownership Program是第一抵押贷款，按Wichita Habitat for Humanity设定的条款偿还。 该援助以First mortgage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。

Wichita 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。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 关于信用，该项目说明：No credit score minimum; credit history reviewed. Bankruptcy/foreclosure must be discharged 24+ months prior. Debt-to-income ratio reviewed. 须参加购房者教育课程，由Wichita Habitat homebuyer education classes required. Financial literacy education provided.提供。 居住要求：Sedgwick County, KS。 公民身份或移民身份：At least one applicant must show proof of permanent legal U.S. residency. All title applicants must show proof of legal U.S. residency. Sweat equity hours (250-400) required. Applications accepted May 1-31 only; 2026 cycle just closed. All household members age 18+ must have lived together at least 6 months. At least 2 months employment history with current employer (or 2 years tax returns for self-employed). This is a first mortgage product, not a DPA layered on top of market financing.

Wichita 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。 35%-80% of Area Median Income (AMI) for Sedgwick County. Must demonstrate need for housing. 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。

Wichita Habitat for Humanity Homeownership Program的房价上限如下：Homes built by Habitat; no purchase price specified as conventional market transaction. 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。

Wichita Habitat for Humanity Homeownership Program服务于在Wichita，Kansas购房的购房者。

Wichita Habitat for Humanity Homeownership Program的申请通过Wichita Habitat for Humanity办理，该机构在其网站上公布现行条款和申请步骤。 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。