Habitat for Humanity of Greater Charlottesville Homeownership Program

Habitat for Humanity of Greater Charlottesville Homeownership Program是面向Charlottesville，Virginia购房者的第一抵押贷款，由Habitat for Humanity of Greater Charlottesville管理。 Habitat for Humanity of Greater Charlottesville partners with qualifying low-income families to purchase a Habitat-built or rehabilitated 2/3/4-bedroom home with an affordable mortgage where the monthly payment is no more than 30% of gross monthly income. Homebuyers earn sweat equity by volunteering on construction sites and in ReStores, and by attending homebuyer education and financial coaching, in lieu of a traditional cash down payment. Habitat sells homes at no profit and does not require good credit at application. Affordable mortgage (payment capped at 30% of gross income). No traditional down payment required (sweat equity). Good credit not required at application. Homebuyer education and monthly financial coaching. Home sold at no profit by Habitat. 资金来自Habitat for Humanity of Greater Charlottesville (volunteer labor, donations, no-profit home sale model).

Habitat for Humanity of Greater Charlottesville Homeownership Program是第一抵押贷款，按Habitat for Humanity of Greater Charlottesville设定的条款偿还。 触发还款的情形：Habitat holds the affordable mortgage; sale or transfer triggers payoff per Habitat's mortgage and any resale/shared-appreciation provisions in the deed (specific resale formula not published). 该援助以First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。

Habitat for Humanity of Greater Charlottesville 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：Eligible if applicant has not owned a home within the last 3 years. 关于信用，该项目说明：Good credit not required at time of application; Habitat works with applicants to improve financial health. 须参加购房者教育课程，由Habitat for Humanity of Greater Charlottesville homebuyer education classes and monthly financial coaching meetings.提供。 居住要求：Must have lived or worked in Charlottesville, Albemarle, Greene, or Louisa for at least the previous 12 months. Applications run in cycles - as of this review the online application is temporarily closed (most recent cycle deadline October 25, 2025); a Homeownership Interest Form remains open continuously. Requires 12-month live/work history in Charlottesville, Albemarle, Greene, or Louisa; household income 25-60% AMI; first-time buyer or no homeownership in last 3 years; sweat-equity hours and homebuyer education.

Habitat for Humanity of Greater Charlottesville 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 (before taxes/deductions) at or below 60% of Charlottesville Area Median Income (2025), by household size (monthly): 1 person $4,405; 2 $5,035; 3 $5,665; 4 $6,290; 5 $6,795; 6 $7,300; 7 $7,800; 8 $8,305. 4-person annualized approx. $75,480. Income should fall between 25% and 60% AMI. 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 Charlottesville Homeownership Program的房价上限如下：N/A - homes are built/rehabbed and sold by Habitat at no profit with an affordable mortgage. 符合条件的房屋类型包括Single Family。 新建房屋符合条件。 预制房屋不符合条件。

Habitat for Humanity of Greater Charlottesville Homeownership Program服务于在Charlottesville，Virginia购房的购房者。

Habitat for Humanity of Greater Charlottesville Homeownership Program的申请通过Habitat for Humanity of Greater Charlottesville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Cyclical application: Homeownership Interest Form, Application Information Meeting (AIM), AIM quiz, online application, financial interview, home pre-selection, Board approval.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。