Passaic County Habitat for Humanity Homeownership Program

Passaic County Habitat for Humanity Homeownership Program是面向Paterson，New Jersey购房者的首付援助，由Passaic County Habitat for Humanity管理。 Passaic County Habitat for Humanity (headquartered in Paterson) builds and sells homes to low- to moderate-income families in Passaic County, including Paterson. Homes are sold with an income-based, affordable mortgage (monthly payment must not exceed 30% of gross household income). Eligible applicants must demonstrate need for housing, ability to pay an affordable mortgage, and willingness to partner (contribute 200 sweat equity hours per household). No traditional down payment required — sweat equity substitutes. Below-market affordable mortgage with monthly payment capped at 30% of gross household income. No traditional down payment requirement (sweat equity substitutes). 200+ hours sweat equity required per household. Homebuyer education required.

Passaic County Habitat for Humanity Homeownership Program是首付援助，按Passaic County 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。

Passaic County 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。 此处的“首次”有例外情况：Must not have owned for at least 3 years。 关于信用，该项目说明：Credit used as basis for creditworthiness; bad debt must be less than $1,000 (excluding medical)。 须参加购房者教育课程。 公民身份或移民身份：U.S. citizen or Permanent Resident required。 Must complete 200 sweat equity hours per household. Must not have owned a home in the past 3 years. Bad debt must be less than $1,000, excluding medical collections. Cannot be in bankruptcy (must be discharged at least 3 years). Cannot have been foreclosed upon in past 7 years. Must be U.S. citizen or Permanent Resident. Mortgage payment cannot exceed 30% of total monthly income. Income guidelines set per application cycle.

Passaic County Habitat for Humanity Homeownership Program的收入限制如下：Income guidelines set per application cycle; both minimum and maximum income required based on household size. All income from all adult household members included. 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。

Passaic County Habitat for Humanity Homeownership Program可用于single_family和condo。 新建房屋符合条件。

Passaic County Habitat for Humanity Homeownership Program服务于在Paterson，New Jersey购房的购房者。

Passaic County Habitat for Humanity Homeownership Program的申请通过Passaic County 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。