Lakeshore Habitat for Humanity Homeownership Program

Lakeshore Habitat for Humanity Homeownership Program是面向Holland，Michigan购房者的可免除贷款，由Lakeshore Habitat for Humanity管理。 Lakeshore Habitat for Humanity equips low-to-moderate income families and individuals in the greater Holland/Zeeland area (Allegan and Ottawa counties) to become homeowners through homebuyer education, sweat equity, and an affordable Habitat mortgage. The program includes down payment assistance forgivable-loan funds of up to $12,000 toward prepaid expenses, closing costs, and principal reduction, plus up to $350 reimbursement for pre-purchase counseling. Applicants must save a $4,000 down payment, have a 620+ credit score, and a DTI under 43%. Affordable Habitat mortgage. Up to $12,000 forgivable DPA for closing costs/prepaids/principal reduction. Up to $350 homebuyer-education reimbursement. Homebuyer education and financial coaching. Energy-efficient new home. 资金来自Lakeshore Habitat for Humanity (donations, grants) plus down payment assistance funding for prepaid/closing/principal reduction。

Lakeshore Habitat for Humanity Homeownership Program提供最高$12,000的援助。 购房者自付部分：Families must be able to save $4,000 by the time of closing for a down payment. 金额是该项目公布的上限，并非报价——具体每人的援助金额由Lakeshore Habitat for Humanity决定。

Lakeshore Habitat for Humanity Homeownership Program是可免除贷款，满足项目条件后余额即被免除。 触发还款的情形：Affordable first mortgage held/serviced by Habitat; DPA forgivable-loan funds subject to recapture if resold before the affordability period elapses (specific trigger not stated on official page). 该援助以First (Habitat mortgage); DPA recorded as subordinate forgivable loan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。

Lakeshore Habitat for Humanity 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。 关于信用，该项目说明：Credit score of 620 or more required. 须参加购房者教育课程，由Lakeshore Habitat for Humanity homeownership/financial classes; Homeowner Services Coach提供。 居住要求：Currently only building in Holland, MI; priority to those who live and work in the greater Holland/Zeeland area (serves Allegan and Ottawa counties). 公民身份或移民身份：Must be a U.S. citizen or legal permanent resident. Habitat sweat-equity homeownership program with a forgivable DPA component. Applications accepted only during active build cycles — at review the program is between cohorts (interest list open).

Lakeshore Habitat for Humanity Homeownership Program的收入限制如下：Families must have and maintain annual gross income within Lakeshore Habitat's published income guidelines (income range table posted as an image on the official page; specific dollar figures by household size not machine-readable). Income-based program (low-to-moderate income). 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。

Lakeshore Habitat for Humanity Homeownership Program可用于Single Family。 新建房屋符合条件。 预制房屋不符合条件。

Lakeshore Habitat for Humanity Homeownership Program服务于在Holland，Michigan购房的购房者。 该项目针对特定区域：Building activity currently concentrated in Holland, MI (greater Holland/Zeeland area).

Lakeshore Habitat for Humanity Homeownership Program的申请通过Lakeshore Habitat for Humanity办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Application opens only when a build cohort is active; interest-notification sign-up list maintained between cycles.预留。 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。