Habitat for Humanity of Greater Cincinnati Affordable Homeownership Program

Habitat for Humanity of Greater Cincinnati Affordable Homeownership Program是面向Cincinnati，Ohio购房者的首付援助，由Habitat for Humanity of Greater Cincinnati管理。 Habitat for Humanity of Greater Cincinnati's Affordable Homeownership Program partners with applicants who demonstrate housing need, ability to repay an affordable 0% interest Habitat mortgage (payment up to 30% of income), and willingness to invest 200 hours of sweat equity (single applicant) or 300 hours (two-applicant household) plus completion of homeownership and Financial Peace University classes. There is no down payment, though buyers pay up to $1,000 toward the first year's homeowner's insurance premium. 0% interest mortgage with payment capped at 30% of income. No down payment (only up to $1,000 first-year insurance premium). Homebuyer & financial education. Sweat-equity homeownership. 资金来自Habitat affordable-mortgage revolving fund, donations, corporate/foundation sponsors。

Habitat for Humanity of Greater Cincinnati Affordable Homeownership Program是首付援助，按Habitat for Humanity of Greater Cincinnati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 of Greater Cincinnati Affordable 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 a home in the past 3 years (some exclusions)。 关于信用，该项目说明：No credit score used; credit report reviewed. No bankruptcy within past 3 years; no foreclosure within 3 years; no evictions within 12 months; no open judgments or liens; no more than $2,000 in uncollected past-due bad debt。 须参加购房者教育课程，由Habitat for Humanity of Greater Cincinnati (homeownership classes and Financial Peace University)提供。 居住要求：Serves Greater Cincinnati region; must be willing to build/buy at available HFHGC build sites。 公民身份或移民身份：U.S. citizen or Legal Permanent Resident; two forms of ID required per applicant。 Requires 200 hrs (1 applicant) or 300 hrs (2 applicants) sweat equity. No felony convictions for any household member over 18 within past 5 years. Buyer pays up to $1,000 toward first-year insurance in lieu of down payment. Applications currently CLOSED; reopen when build sites available (check the 10th of each month). Lien position, forgiveness years, max purchase price not published online (gaps).

Habitat for Humanity of Greater Cincinnati Affordable 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 fall between minimum and maximum monthly gross income by household size (approx. 30-60% AMI). Monthly max: 1 $5,129; 2 $5,863; 3 $6,596; 4 $7,325; 5 $7,913; 6 $8,500; 7 $9,083; 8 $9,671. 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 of Greater Cincinnati Affordable 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 of Greater Cincinnati Affordable Homeownership Program服务于在Cincinnati，Ohio购房的购房者。 该项目针对特定区域：Current build sites in the Greater Cincinnati area (e.g., Pope Leo Village)。

Habitat for Humanity of Greater Cincinnati Affordable Homeownership Program的申请通过Habitat for Humanity of Greater Cincinnati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Applications accepted only when build sites are available; check website on the 10th of each month; no waiting list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。