Housing Development Alliance - Homeownership Program

Housing Development Alliance - Homeownership Program是面向Hazard，Kentucky购房者的第一抵押贷款，由Housing Development Alliance, Inc. (HDA)管理。 HDA's income-based Homeownership Program helps low-income families in Breathitt, Knott, Leslie, and Perry Counties become homeowners via subsidized mortgages on newly constructed Energy Star homes. No cash down payment - 150 hours of sweat equity instead. Average interest paid 1%-3% (varies by funding source). Payments structured at ~20%-30% of gross income; land purchase can be included. ~400 families helped to date. No cash down payment. Subsidized mortgage interest (avg 1%-3%). Energy Star new homes. Land purchase can be included. Free certified housing and credit counseling. 150 sweat-equity hours.

Housing Development Alliance - Homeownership Program是第一抵押贷款，按Housing Development Alliance, Inc. (HDA)设定的条款偿还。 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。

Housing Development Alliance - 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：Credit score near 690 preferred; certified counselors help improve credit; free credit counseling。 须参加购房者教育课程。 Service area limited to Breathitt, Knott, Leslie, Perry Counties. DTI ~25%. Positive repayment history. Minimum monthly income by county. Rates/income limits vary by funding source (HOME, CDBG, state). dpa_interest_rate shown as 1 represents the ~1%-3% average subsidized rate.

Housing Development Alliance - 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。 Low-income households (generally <=80% AMI). Minimum gross monthly income $1,750 (Perry/Knott) or $1,900 (Leslie/Breathitt). Can assist annual incomes ~$17,000. Ceiling varies by funding source. 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。

Housing Development Alliance - Homeownership Program可用于Single Family。 新建房屋符合条件。 预制房屋不符合条件。

Housing Development Alliance - Homeownership Program服务于在Hazard，Kentucky购房的购房者。

Housing Development Alliance - Homeownership Program的申请通过Housing Development Alliance, Inc. (HDA)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。