Monadnock Habitat for Humanity Homeownership Program

Monadnock Habitat for Humanity Homeownership Program是面向Keene，New Hampshire购房者的静默第二贷款，由Monadnock Habitat for Humanity管理。 Monadnock Habitat for Humanity partners with income-eligible families in southwestern NH to build and purchase affordable homes. Families buy through a zero-interest first mortgage (typically 30 years) held by MHFH, with a non-amortizing silent second for the difference between appraised value and first-mortgage principal. Selection is need-based; families contribute sweat equity (300 hours two-parent, 250 single-parent), complete financial literacy training, and maintain a 12-month budget. Zero-interest mortgage. Only $1,000 down payment. No prepayment penalty. Silent second requires no monthly payments. PITI capped at ~30% of household income. Financial literacy training included. 资金来自Volunteer labor, donated materials and services, grants, community fundraising。

Monadnock Habitat for Humanity Homeownership Program为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：sale or transfer。 该援助以second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。

Monadnock 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：No published minimum; each adult household member undergoes credit check, identity verification, criminal background check, sex offender registry check, and income verification. 须参加购房者教育课程，由Monadnock Habitat for Humanity (online Financial Literacy Training and required homeownership/financial classes); applicants develop and maintain a 12-month budget with a Family Relations rep.提供。 居住要求：Must live or work in one of 27 specified towns: Alstead, Chesterfield, Dublin, Fitzwilliam, Gilsum, Greenfield, Hancock, Harrisville, Hinsdale, Jaffrey, Keene, Marlborough, Nelson, New Ipswich, Peterborough, Richmond, Rindge, Roxbury, Sharon, Sullivan, Surry, Swanzey, Temple, Troy, Walpole, Westmoreland, Winchester. 公民身份或移民身份：Must be a legal U.S. resident。 Sweat equity: 300 hrs two-parent, 250 hrs single-parent (members 18+). Monthly PITI must not exceed 30% of household income; DTI no more than 40%. Mortgage principal = construction cost + 10% admin fee. New-applicant intake window may be intermittently closed (page snapshot 2026-05-20 noted applications closed while body invited waitlist applications); program active and funded.

Monadnock Habitat for Humanity Homeownership Program的收入限制如下：Total household income between 60% and 80% of HUD Area Median Family Income (FAQ states 50%-80% AMI). Published minimum income thresholds: Family of 1 >=$44,940; 2 $51,360; 3 $57,780; 4 $64,200; 5 $69,336; 6 $74,472. A 2020 table lists 50% AMI minimums and 80% AMI maximums (e.g., Family of 4: $63,950 min / $96,250 max). 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。

Monadnock Habitat for Humanity Homeownership Program的房价上限如下：No fixed maximum; mortgage principal equals total construction cost plus a 10% administrative fee, reduced by volunteer labor, grants, and donated materials. 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。

Monadnock Habitat for Humanity Homeownership Program服务于在Keene，New Hampshire购房的购房者。 该项目针对特定区域：Southwestern New Hampshire / Monadnock region; 27 specified towns including Keene, Peterborough, Jaffrey, Swanzey, Winchester.

Monadnock Habitat for Humanity Homeownership Program的申请通过Monadnock 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waitlist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。