Habitat for Humanity of Metro Louisville Homeownership Program

Habitat for Humanity of Metro Louisville Homeownership Program是面向Louisville，Kentucky购房者的第一抵押贷款，由Habitat for Humanity of Metro Louisville管理。 Habitat for Humanity of Metro Louisville partners with income-qualified families to provide newly constructed or rehabbed homes purchased with a 0% interest affordable mortgage. Monthly payments are capped at 28% of gross income. Buyers contribute ~$2,000 at closing and complete 400+ hours of sweat equity. Applications are accepted twice per year. 0% interest mortgage. Payment capped at 28% of gross income. Energy-efficient quality homes. Homeowner education and support. No traditional lender required.

Habitat for Humanity of Metro Louisville Homeownership Program是第一抵押贷款，按Habitat for Humanity of Metro Louisville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 Metro Louisville 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：No fixed minimum; credit review required - no excessive debt, no unresolved collections, no bankruptcy in last 24 months, no repossessions/charge-offs。 须参加购房者教育课程，由Habitat for Humanity of Metro Louisville - financial literacy classes and homebuyer workshops提供。 公民身份或移民身份：Proof of citizenship or legal residence required for all household members。 400+ sweat-equity hours incl. financial literacy classes, construction, and ReStore volunteering. $50 non-refundable application fee. 2026 open periods: April and Aug 24-29, 2026. Must demonstrate housing need. 90-120 day review; full process 12-18 months.

Habitat for Humanity of Metro Louisville Homeownership Program的收入限制如下：2026 income guidelines by household size: 1=$20,400-$54,450; 2=$23,800-$63,400; 3=$26,750-$71,300; 4=$29,700-$79,200; 5=$32,100-$85,550; 6=$34,470-$91,900; 7=$36,840-$98,250; 8=$39,200-$104,550. 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 Metro Louisville Homeownership Program将房价上限设为$280,000。 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。

Habitat for Humanity of Metro Louisville Homeownership Program服务于在Louisville，Kentucky购房的购房者。 该项目针对特定区域：Louisville metro, primarily West End and areas where HFHML holds land.

Habitat for Humanity of Metro Louisville Homeownership Program的申请通过Habitat for Humanity of Metro Louisville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。