Greater Cleveland Habitat for Humanity Homeownership Program

Greater Cleveland Habitat for Humanity Homeownership Program是面向Cleveland，Ohio购房者的首付援助，由Greater Cleveland Habitat for Humanity管理。 Greater Cleveland Habitat for Humanity provides coaching, education, and support enabling income-qualified first-time buyers to purchase a Habitat-built or rehabilitated home with an affordable mortgage (payment up to 30% of income). Applicants must demonstrate housing need, ability to pay, and willingness to invest 200-250 sweat-equity hours. As of verification, GCHFH is accepting applications for homes in the City of Cleveland and City of Lorain. Affordable 0% interest mortgage with payment capped at 30% of income. Coaching and homebuyer education. Sweat-equity homeownership. New construction, rehab, and modular options. 资金来自Habitat affordable-mortgage revolving fund, donations, City of Cleveland, Cuyahoga Land Bank, Rocket, corporate/foundation sponsors。

Greater Cleveland Habitat for Humanity Homeownership Program是首付援助，按Greater Cleveland Habitat for Humanity设定的条款偿还。 触发还款的情形：Due on sale or transfer。 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。

Greater Cleveland 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 credit score used; credit report reviewed. No bankruptcy or foreclosure in past 3 years; no more than $1,000 in uncollected past-due bad debt。 须参加购房者教育课程，由Greater Cleveland Habitat for Humanity (homeownership classes/coaching)提供。 居住要求：Must be willing to live where GCHFH is building; currently accepting applications for homes in the City of Cleveland and City of Lorain。 Requires 200-250 sweat-equity hours. Must be first-time homebuyer (no home owned in past 3 years). DTI cannot exceed 41%. Currently NOT accepting 1-person households due to limited housing; current opportunities are City of Cleveland and City of Lorain. Lien position, forgiveness years, max purchase price not published online (gaps).

Greater Cleveland Habitat for Humanity Homeownership Program将家庭收入限制在地区收入中位数的60%，该数值因县和家庭人数而异。 Total monthly gross household income (all members over 18) must fall within min/max by household size. Monthly max: 1 $4,900; 2 $5,600; 3 $6,300; 4 $7,000; 5 $7,560; 6 $8,120; 7 $8,680; 8 $9,240; 9 $9,800; 10 $10,360. Food stamps, OWF, WEP not counted. 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10。 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。

Greater Cleveland 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。

Greater Cleveland Habitat for Humanity Homeownership Program服务于在Cleveland，Ohio购房的购房者。 该项目针对特定区域：City of Cleveland and City of Lorain (current build areas); 400 Home Initiative。

Greater Cleveland Habitat for Humanity Homeownership Program的申请通过Greater Cleveland 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Online pre-qualification application; team follows up within 30 days; then comprehensive application & verification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。