Habitat for Humanity of Madison and Clark Counties - Homeownership Program

Habitat for Humanity of Madison and Clark Counties - Homeownership Program是面向Richmond，Kentucky购房者的首付援助，由Habitat for Humanity of Madison and Clark Counties, Inc.管理。 Affordable homeownership program in which qualified low-income partner families purchase a newly built Habitat home with an affordable 20-30 year mortgage held by the affiliate. Families invest a minimum of 350 sweat-equity hours, complete homeowner education classes and one-on-one financial counseling, and are paired with a mentor. Serves Madison and Clark Counties, KY (Berea, Richmond, Winchester). Equal Housing Opportunity. Affordable Habitat-held mortgage (20-30 year term). No large down payment required (sweat equity in lieu of down payment). Homeowner education and one-on-one financial counseling.

Habitat for Humanity of Madison and Clark Counties - Homeownership Program是首付援助，按Habitat for Humanity of Madison and Clark Counties, Inc.设定的条款偿还。 触发还款的情形：Standard mortgage repayment; affiliate retains a right of first refusal and owner-occupancy/resale restrictions until the mortgage is paid in full。 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 Madison and Clark Counties - 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：Applicant must not have owned a home in the last three years。 关于信用，该项目说明：Credit score of at least 600 (or three tradelines). Collections of $5,000 automatically disqualify; medical collections accepted only if not over $2,500; collections (excluding $2,500 or less medical) must be paid in full within 90 days of conditional board approval. Bankruptcy discharged at least 36 months; foreclosures settled at least 60 months; repossessions at least 18 months old; no unresolvable liens/judgments. 须参加购房者教育课程，由Habitat for Humanity of Madison and Clark Counties (in-house homeowner education classes and one-on-one financial counseling)提供。 居住要求：Must have lived or worked in Madison or Clark County, KY for one continuous year prior to application。 公民身份或移民身份：Proof of U.S. citizenship or legal residency required。 staged from primary sources (hfhmcc.org); verify before publishing. Habitat affiliate operates as Madison & Clark Counties (NOT the New York madisoncountyhabitat.org). Mortgage rate/lien terms not published; left blank.

Habitat for Humanity of Madison and Clark Counties - Homeownership Program将家庭收入限制在地区收入中位数的60%，该数值因县和家庭人数而异。 Maximum (2025): household gross annual income must not exceed 60% of area median income for similar-size families in the county. Minimum: gross monthly income at least $2,400 and annual income at least $28,800 in the prior 12 months. Madison County max by household size: 1=$49,500; 2=$56,600; 3=$63,650; 4=$70,700; 5=$76,400; 6=$82,050; 7=$87,700; 8=$93,350. Clark County max: 1=$59,650; 2=$68,200; 3=$76,700; 4=$85,200; 5=$92,050; 6=$98,850; 7=$105,650; 8=$112,500. $28,800 floor. 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。

Habitat for Humanity of Madison and Clark Counties - Homeownership Program可用于Single Family。 新建房屋符合条件。 预制房屋不符合条件。

Habitat for Humanity of Madison and Clark Counties - Homeownership Program服务于在Richmond，Kentucky购房的购房者。

Habitat for Humanity of Madison and Clark Counties - Homeownership Program的申请通过Habitat for Humanity of Madison and Clark Counties, Inc.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。