Austin Habitat New Home Construction Program

Austin Habitat New Home Construction Program是面向Austin，Texas购房者的延期第二贷款。 Austin Habitat for Humanity 30-year zero-interest first mortgage on a newly constructed Habitat home in Austin or Travis County. Sweat equity (300 hours/adult) required. 30-80% MFI; 620 FICO; mandatory homebuyer education. Max sale price approximately $260,000. Austin Habitat for Humanity New Home Construction Program offers qualified low-to-moderate income families the opportunity to purchase a newly constructed home in Austin or Travis County at below-market price with a 30-year zero-interest amortizing first mortgage held by Austin Habitat. Sweat equity required (300 hours per adult applicant). Maximum home sale price approximately $260,000 (Habitat-built single-family). The implicit subsidy from below-market pricing combined with 0% interest functions as a substantial DPA. Mandatory homebuyer education and financial fitness program required. 资金来自Private。

Austin Habitat New Home Construction Program为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：30-year amortizing first mortgage at 0% interest. Sale, transfer, refinance, or vacating triggers Habitat's right of first refusal and shared-equity recapture provisions. 该援助以1st Lien顺位留置权登记。 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。

Austin Habitat New Home Construction 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：First-time homebuyer required (no ownership in past 3 years). Exceptions for displaced homemakers, veterans, and individuals fleeing domestic violence. 关于信用，该项目说明：620 minimum FICO; bankruptcy must be discharged 2+ years; no recent collections. 须参加购房者教育课程，由Austin Habitat for Humanity homebuyer education program (mandatory). HUD-approved counseling available through Frameworks CDC, Foundation Communities, and other Austin-area providers.提供。 居住要求：Property must be a Habitat-built home in Austin or Travis County, occupied by buyer as primary residence. 公民身份或移民身份：U.S. citizen or lawful permanent resident. Applicant must demonstrate need for affordable housing (current housing inadequate, unaffordable, or unsafe). Income at 30-80% MFI for Austin MSA. Willingness to partner: 300 sweat-equity hours per adult applicant (construction site or qualifying volunteer alternative). Ability to pay: 28-43% housing DTI on Habitat's 0% first mortgage. 620 FICO minimum. Mandatory completion of homebuyer education. Property is a Habitat-built new home in Austin or Travis County. Buyer must occupy as primary residence; sale/transfer subject to Habitat right of first refusal and shared-equity recapture.

Austin Habitat New Home Construction Program将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 30-80% MFI for Austin-Round Rock-Georgetown MSA per HUD; 1-person $68,500 / 4-person $97,800 / 8-person $129,100 (2025 limits). 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。

Austin Habitat New Home Construction Program将房价上限设为$260,000。 符合条件的房屋类型包括Newly constructed single-family detached homes built by Austin Habitat for Humanity. 新建房屋符合条件。 预制房屋不符合条件。

Austin Habitat New Home Construction Program服务于在Austin，Texas购房的购房者。

Austin Habitat New Home Construction Program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Apply directly to Austin Habitat through application cycles announced at austinhabitat.org. Selection committee reviews applications based on need, willingness to partner, and ability to pay.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。