Habitat for Humanity of Washington, D.C. & Northern Virginia Homeownership Program

Habitat for Humanity of Washington, D.C. & Northern Virginia Homeownership Program是面向Arlington; Fairfax县，Virginia购房者的第一抵押贷款，由Habitat for Humanity of Washington, D.C. & Northern Virginia管理。 Habitat for Humanity DC-NOVA sells newly built or rehabilitated homes below market value to low- and moderate-income families who qualify for an affordable monthly housing payment. Buyers must demonstrate housing need, meet income and credit requirements, contribute sweat-equity volunteer hours building their home, and complete financial education. Applications are accepted first-come, first-served and processed when complete; an information session is required before applying. Homes sold below market value. Affordable monthly housing payment. Financial education and homeowner guidance. Connection to lender network and DPA programs. 资金来自Nonprofit (Habitat for Humanity); donations, ReStore proceeds, and grants。

Habitat for Humanity of Washington, D.C. & Northern Virginia Homeownership Program是第一抵押贷款，按Habitat for Humanity of Washington, D.C. & Northern Virginia设定的条款偿还。 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 Washington, D.C. & Northern Virginia 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：Applicants generally must not have owned a home within the past three years。 须参加购房者教育课程，由Habitat pre- and post-purchase financial education classes (foreclosure prevention, home maintenance)提供。 居住要求：Homes located in Arlington County and Fairfax County, VA (affiliate also serves Washington, D.C.)。 Applicants must demonstrate housing need, ability to pay an affordable mortgage, manageable debt, and complete required sweat-equity volunteer hours and pre/post-purchase financial education. Attendance at an information session is mandatory before applying. Habitat does not maintain a waiting list; number approved is driven by availability of developed properties. GAP: no published dollar DPA amount (below-market sale model).

Habitat for Humanity of Washington, D.C. & Northern Virginia Homeownership 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。 Families with low and moderate incomes; service population generally 30-80% of Area Median Income. 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 Washington, D.C. & Northern Virginia Homeownership Program可用于Single Family、Townhouse和Condo。 新建房屋符合条件。

Habitat for Humanity of Washington, D.C. & Northern Virginia Homeownership Program服务于在Arlington; Fairfax县，Virginia购房的购房者。

Habitat for Humanity of Washington, D.C. & Northern Virginia Homeownership Program的申请通过Habitat for Humanity of Washington, D.C. & Northern Virginia办理，该机构在其网站上公布现行条款和申请步骤。 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。