Habitat for Humanity-MidOhio Homeownership Program

Habitat for Humanity-MidOhio Homeownership Program是面向Columbus，Ohio购房者的首付援助，由Habitat for Humanity-MidOhio管理。 Habitat for Humanity-MidOhio's homeownership program helps first-time homebuyers at 30-60% AMI become homeowners through a 12-18 month process that includes 200-250 hours of sweat equity, required financial and home-maintenance classes, and purchase of a Habitat-built home with an affordable 0% interest mortgage. A Veterans Build track offers additional mortgage discounts based on years of active service. Affordable 0% interest mortgage. No traditional down payment. Homebuyer education. Sweat-equity homeownership. Veterans receive mortgage discounts. 资金来自Donations, corporate/foundation sponsors, City of Columbus, City of Newark, Affordable Housing Trust, Ohio Housing Trust Fund。

Habitat for Humanity-MidOhio Homeownership Program是首付援助，按Habitat for Humanity-MidOhio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。

Habitat for Humanity-MidOhio 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 minimum credit score; satisfactory credit required. No open liens or judgments; no more than $1,000 in collections; bankruptcy discharged at least 2 years; current on all utilities for at least 3 months。 须参加购房者教育课程，由Habitat for Humanity-MidOhio (financial and home maintenance classes)提供。 居住要求：Serves central Ohio (Franklin County / Columbus area; also serves Newark/Licking County)。 Requires 200-250 hours of sweat equity over 12-18 months. Need-based: current housing must be inadequate/unsafe/unaffordable or subsidized. Interest forms periodically open/close; intake line and email remain open. Veterans Build sub-program offers added mortgage discounts. Lien position, repayment trigger detail, forgiveness terms, max purchase price, and DTI not published online (gaps). Income table reflects 2024 HUD guidelines.

Habitat for Humanity-MidOhio 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。 Household income must be 30-60% of AMI by household size (2024 HUD income guidelines). Max by size: 1 $43,440; 2 $49,620; 3 $55,800; 4 $61,980; 5 $66,960; 6 $71,940; 7 $76,860; 8 $81,840. 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。

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

Habitat for Humanity-MidOhio Homeownership Program在其服务群体中提到了退伍军人、现役军人和预备役人员和国民警卫队成员。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Habitat for Humanity-MidOhio Homeownership Program服务于在Columbus，Ohio购房的购房者。 该项目针对特定区域：Neighborhood Revitalization areas in central Ohio including the Devon Triangle (Columbus); also Newark。

Habitat for Humanity-MidOhio Homeownership Program的申请通过Habitat for Humanity-MidOhio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 by mail/drop-box; interest forms periodically open and close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。