Habitat for Humanity of Greater Baton Rouge Homeownership Program

Habitat for Humanity of Greater Baton Rouge Homeownership Program是面向Baton Rouge，Louisiana购房者的首付援助，由Habitat for Humanity of Greater Baton Rouge管理。 Habitat for Humanity of Greater Baton Rouge partners with low-income families and volunteers to build and sell new homes at no profit and 0% interest to qualifying applicants in East Baton Rouge. Partners earn sweat-equity hours and complete financial literacy and homebuyer education; the Habitat mortgage payment will not exceed 30% of gross monthly income. A sweat-equity / 0%-mortgage model rather than a cash down payment grant. 0% interest Habitat mortgage. Payment capped at 30% of gross income. Brand-new home. Major appliances included. Homebuyer coaching. 资金来自Donations, volunteer labor, recycled mortgage payments, HUD/community partners。

Habitat for Humanity of Greater Baton Rouge Homeownership Program是首付援助，按Habitat for Humanity of Greater Baton Rouge设定的条款偿还。 触发还款的情形：Monthly 0% Habitat mortgage payments over loan term; home sold at no profit. 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 Baton Rouge 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 FICO; <$750 non-medical debt/charge-offs, <=$3,000 medical debt, 3 credit references if no credit, 3 years since bankruptcy, 4 years since foreclosure. 须参加购房者教育课程，由Habitat Greater Baton Rouge financial literacy series, budget classes, required homeowner education; Homeward Bound Orientation提供。 居住要求：Lived or worked in Louisiana at least 1 year。 Sweat equity: 255 hrs (one-adult) / 315 hrs (multi-adult), >=20 hrs/month. Must save $4,000 toward closing costs (incl. first-year insurance). Mortgage <=30% gross income; total DTI <=41%. Credit report fee $25/$50. Reapply 1 year after denial. Habitat assistance_type 'other' (0% mortgage/sweat-equity); not a cash DPA grant.

Habitat for Humanity of Greater Baton Rouge 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。 27%-80% of AMI for the build area. Gross annual income limits by household size (HUD 4/18/2022): 1: $16,802-$49,784; 2: $19,202-$56,896; 3: $21,603-$64,008; 4: $24,003-$71,120; 5: $25,923-$76,810; 6: $27,843-$82,499; 7: $29,764-$88,189; 8: $31,684-$93,878. 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 Greater Baton Rouge 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 Baton Rouge Homeownership Program服务于在Baton Rouge，Louisiana购房的购房者。

Habitat for Humanity of Greater Baton Rouge Homeownership Program的申请通过Habitat for Humanity of Greater Baton Rouge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。