Habitat for Humanity of Greater Portland Homeownership Program

Habitat for Humanity of Greater Portland Homeownership Program是面向Portland，Maine购房者的首付援助，由Habitat for Humanity of Greater Portland管理。 Habitat for Humanity of Greater Portland partners with qualifying families to build affordable homes from the ground up. Selected families pay a monthly mortgage not exceeding 30% of income and complete ~275 sweat-equity hours. Applicants earn at least $40,000/yr and no more than 65% of HUD AMI, with a 640+ credit score and DTI <=43%. Affordable Habitat-built home. Mortgage payment capped at 30% of gross income. Builds equity. 资金来自Habitat for Humanity (donations, volunteer labor)。

Habitat for Humanity of Greater Portland Homeownership Program是首付援助，按Habitat for Humanity of Greater Portland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。

Habitat for Humanity of Greater Portland 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。 该项目列出的最低信用分数为640。 须参加购房者教育课程，由Avesta Housing Homeownership Center (counseling referenced)提供。 居住要求：Applicants must be permanent residents; builds currently in South Portland and Standish。 公民身份或移民身份：Applicants must be permanent residents。 Sweat equity ~275 volunteer hours. Build/selection 12-15 months plus up to 3-month selection. Application windows open only when properties available. Not a stackable DP grant. $2,000 savings required. GAP: exact loan term/rate, lien, recapture, HUD AMI $ at 65% not stated; income table shown is 80% AMI reference.

Habitat for Humanity of Greater Portland Homeownership Program将家庭收入限制在地区收入中位数的65%，该数值因县和家庭人数而异。 Must earn at least $40,000/yr and no more than 65% of HUD AMI by family size. Site 80% AMI reference: 1=$72,688; 2=$83,072; 3=$93,456; 4=$103,840; 5=$112,147. Requirements may vary by project. 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。

Habitat for Humanity of Greater Portland Homeownership Program可用于Single Family。 新建房屋符合条件。

Habitat for Humanity of Greater Portland Homeownership Program服务于在Portland，Maine购房的购房者。 该项目针对特定区域：Greater Portland service area; current builds in South Portland and Standish, ME。

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