Lexington Habitat for Humanity Homeownership Program

Lexington Habitat for Humanity Homeownership Program是面向Lexington，Kentucky购房者的第一抵押贷款，由Lexington Habitat for Humanity管理。 Lexington Habitat for Humanity builds and remodels energy-efficient single-family townhomes in Lexington/Fayette County and sells them to income-qualified families via an affordable mortgage with payments set at ~25% of gross monthly income on a 30-year term. Families complete 250-500 sweat-equity hours and ~20 weeks of homebuyer education, and contribute $2,000 toward closing costs (prepaid). Applications are cyclical. Affordable below-market mortgage (~25% of gross income). 30-year term. Quality new/remodeled energy-efficient homes. Homebuyer education included. $2,000 closing-cost contribution refundable if purchase does not proceed.

Lexington Habitat for Humanity Homeownership Program是第一抵押贷款，按Lexington Habitat for Humanity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。

Lexington Habitat for Humanity 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：Satisfactory credit required; bankruptcy discharged 3+ years prior; foreclosures settled 5+ years prior; collections/charge-offs cannot exceed $2,000。 须参加购房者教育课程，由Lexington Habitat for Humanity (weekly homebuyer classes ~20 weeks)提供。 居住要求：Must have lived or worked in Fayette County, KY for one continuous year prior to application。 公民身份或移民身份：U.S. citizen or legal resident; documentation required。 250 sweat-equity hours (1-adult) or 500 (2+ adults), 100-150 in construction. Applications cyclical; closed Aug 22, 2025, expected to reopen 2026. LFUCG channels HOME/CDBG funds to Lexington Habitat. Contact: Catherine Mitchell ext.130. Interest rate not separately published beyond the 25%-of-income payment formula.

Lexington 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。 Gross annual household income must not exceed 80% AMI for Fayette County; minimum $40,050/yr. By household size (Feb 2026): 1=$57,350; 2=$65,550; 3=$73,750; 4=$81,900; 5=$88,500; 6=$95,050; 7=$101,600; 8=$108,150. 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。

Lexington Habitat for Humanity Homeownership Program的房价上限如下：Homes sold at appraised value, currently ~$200,000-$290,000; varies by size/location。 符合条件的房屋类型包括Single Family和Townhouse。 新建房屋符合条件。 预制房屋不符合条件。

Lexington Habitat for Humanity Homeownership Program服务于在Lexington，Kentucky购房的购房者。

Lexington Habitat for Humanity Homeownership Program的申请通过Lexington 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。