Northeast Mississippi Habitat for Humanity Homeownership Program

Northeast Mississippi Habitat for Humanity Homeownership Program是面向Tupelo，Mississippi购房者的首付援助，由Northeast Mississippi Habitat for Humanity管理。 Habitat affiliate provides newly constructed homes sold via an affordable 0%-interest mortgage (20, 25, or 30-year term) to families between 55%–80% AMI. Homebuyers must complete 250 sweat equity hours working alongside volunteers. Applications open cyclically; as of January 2026 applications are closed and expected to reopen early 2027. 0%-interest mortgage; no down payment in the conventional sense; homebuyer builds equity through sweat equity; financial literacy education included. 资金来自Habitat for Humanity affiliate fundraising, donations, ReStore proceeds。

Northeast Mississippi Habitat for Humanity Homeownership Program是首付援助，按Northeast Mississippi Habitat for Humanity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。

Northeast Mississippi 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：Must qualify for Habitat mortgage; no conventional credit score threshold published。 须参加购房者教育课程，由Habitat financial literacy classes included in program提供。 Applications currently closed as of January 30, 2026; expected to reopen early 2027. Must complete 250 sweat equity hours. DTI: estimated mortgage + other minimum monthly debt cannot exceed 43% of gross income; estimated house payment cannot exceed 30% of gross income. Household income must be 55%–80% AMI.

Northeast Mississippi 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。 55%–80% of Area Median Income; monthly gross income approximately $2,700–$6,500 depending on household size. 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。

Northeast Mississippi Habitat for Humanity Homeownership Program的房价上限如下：Habitat-built home; purchase price set by affiliate as affordable 0%-interest mortgage。 符合条件的房屋类型包括single_family。 新建房屋符合条件。 预制房屋不符合条件。

Northeast Mississippi Habitat for Humanity Homeownership Program服务于在Tupelo，Mississippi购房的购房者。

Northeast Mississippi Habitat for Humanity Homeownership Program的申请通过Northeast Mississippi 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。