Habitat for Humanity Susquehanna Homeownership Program

Habitat for Humanity Susquehanna Homeownership Program是面向Harford|Cecil县，Maryland购房者的第一抵押贷款，由Habitat for Humanity, Susquehanna管理。 Habitat for Humanity Susquehanna builds and renovates affordable homes for low-to-moderate-income first-time homebuyers in Harford and Cecil Counties. Approved applicants purchase with a 30-year zero-interest mortgage structured so the monthly payment does not exceed 30% of gross monthly income. Applicants must complete at least 250 sweat-equity hours (500 for two-applicant households) including financial education. 30-year zero-interest mortgage capped at 30% of gross income. Free financial education workshops. Home maintenance class. No prior construction experience needed. Active 2026 build. 资金来自Charitable donations, ReStore sales, grants。

Habitat for Humanity Susquehanna Homeownership Program是第一抵押贷款，按Habitat for Humanity, Susquehanna设定的条款偿还。 触发还款的情形：30-year amortizing mortgage; payments fund future Habitat builds。 该援助以1st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 Susquehanna 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，由APG Federal Credit Union in partnership with Habitat Susquehanna (free workshops at Bel Air Home Loan Center)提供。 居住要求：Must live in Cecil or Harford County for at least 1 year prior to application。 公民身份或移民身份：US citizen or permanent legal resident。 Minimum household income $40,000/year; up to ~80% AMI (Cecil 4-person $95,500; Harford 4-person $104,200 as of 6/15/2025); must live in Cecil or Harford County 1+ year; first-time homebuyer; 250 sweat equity hours (500 for couples); credit report and landlord references checked.

Habitat for Humanity Susquehanna 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。 Minimum $40,000/year; effective 6/15/2025 — Cecil County 4-person max $95,500; Harford County 4-person max $104,200. 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 Susquehanna 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 Susquehanna Homeownership Program在其服务群体中提到了残障购房者。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Habitat for Humanity Susquehanna Homeownership Program服务于在Harford|Cecil县，Maryland购房的购房者。 该项目针对特定区域：Cecil County and Harford County, Maryland only。

Habitat for Humanity Susquehanna Homeownership Program的申请通过Habitat for Humanity, Susquehanna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。