Habitat for Humanity of Greater Cincinnati - Northern Kentucky Homeownership Program

Habitat for Humanity of Greater Cincinnati - Northern Kentucky Homeownership Program是面向Covington，Kentucky购房者的第一抵押贷款，由Habitat for Humanity of Greater Cincinnati管理。 Habitat for Humanity of Greater Cincinnati provides 0% interest affordable mortgages to income-qualified first-time homebuyers in Boone, Campbell, and Kenton Counties (Northern Kentucky). Homebuyers contribute sweat equity, complete homeownership education, and demonstrate need and ability to repay; payments do not exceed 30% of gross household income. In 2025-2026 the affiliate is building income-restricted homes at Pope Leo Village in Covington. 0% interest mortgage. No hard credit-score minimum. Payment capped at 30% of gross income. 200-300 sweat-equity hours. Homeownership education included.

Habitat for Humanity of Greater Cincinnati - Northern Kentucky Homeownership Program是第一抵押贷款，按Habitat for Humanity of Greater Cincinnati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。

Habitat for Humanity of Greater Cincinnati - Northern Kentucky 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。 须参加购房者教育课程。 公民身份或移民身份：U.S. Citizens or Legal Permanent Residents。 Must be in substandard/overcrowded/unaffordable housing. No score minimum but credit reviewed; bankruptcy discharged 3+ years; <=$2,000 past-due debt; DTI <=40%. Sweat equity 200 hrs (1 applicant) / 300 hrs (2 applicants). The habitat.org 'Northern Kentucky' affiliate is served by Habitat Greater Cincinnati.

Habitat for Humanity of Greater Cincinnati - Northern Kentucky 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。 Household income generally between 30%-60% AMI; dollar limits vary by household size and county. Qualifying income includes wages, child support, alimony, SSA/SSI, retirement. 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 of Greater Cincinnati - Northern Kentucky 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 Greater Cincinnati - Northern Kentucky Homeownership Program服务于在Covington，Kentucky购房的购房者。

Habitat for Humanity of Greater Cincinnati - Northern Kentucky Homeownership Program的申请通过Habitat for Humanity of Greater Cincinnati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。