Habitat for Humanity of Greater Dayton Homeownership Program

Habitat for Humanity of Greater Dayton Homeownership Program是面向Dayton，Ohio购房者的首付援助，由Habitat for Humanity of Greater Dayton管理。 Habitat for Humanity of Greater Dayton partners with families earning 30-60% of area median income to build and buy simple, decent, affordable homes with an affordable mortgage (payment never exceeds 30% of monthly income, 0% interest). Each adult household member completes 275 hours of sweat equity plus required home-buying classes. The full Partner Family Program takes an average of 2-3 years. Affordable 0% interest mortgage with payment capped at 30% of income. No traditional down payment. Homebuyer education and credit counseling. Sweat-equity homeownership. 资金来自Affordable mortgage revolving fund, donations, City of Dayton, City of Kettering, City of Fairborn, City of Springfield, State of Ohio Development funds, FHLB Cincinnati。

Habitat for Humanity of Greater Dayton Homeownership Program是首付援助，按Habitat for Humanity of Greater Dayton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 Dayton 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; credit report reviewed. Bad credit does not necessarily disqualify but credit counseling may be required。 须参加购房者教育课程，由Habitat for Humanity of Greater Dayton (home buying classes); credit counseling if required提供。 居住要求：Serves Clark, Greene, and Montgomery counties (Dayton metro)。 Requires 275 sweat-equity hours per adult in household. DTI may not exceed 43%. Need-based eligibility. Program was paused to new applicants Aug 2025 with callback list reopening spring 2026; apply page now states the affiliate is pre-qualifying families (active). County-specific income guideline PDFs published. Lien position, forgiveness years, exact income dollar limits, and max purchase price not published online (gaps).

Habitat for Humanity of Greater Dayton 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 between 30% and 60% of the Dayton-area median income (HUD, Clark/Greene/Montgomery counties), adjusted for family size. 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。

Habitat for Humanity of Greater Dayton 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 Dayton Homeownership Program在其服务群体中提到了残障购房者。 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 of Greater Dayton Homeownership Program服务于在Dayton，Ohio购房的购房者。

Habitat for Humanity of Greater Dayton Homeownership Program的申请通过Habitat for Humanity of Greater Dayton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 form; staff responds within 72 hours; then full application & selection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。