Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program

Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program是面向Newport News，Virginia购房者的第一抵押贷款，由Habitat for Humanity Peninsula and Greater Williamsburg管理。 Habitat for Humanity Peninsula and Greater Williamsburg's First-Time Homebuyer Program helps lower-income families buy a newly constructed or renovated Habitat home financed with a zero-interest-equivalent (0%) 20-to-30-year mortgage. The affordable payment — no more than 30% of gross income including taxes and insurance — functions as the assistance in lieu of a separate down payment loan. There is no cash down payment; buyers complete at least 300 hours of sweat equity and required homebuyer education. Applications are accepted during an annual April round (2026 round closed; next opens April 2027). Zero-interest-equivalent (0%) affordable mortgage. no cash down payment. payment capped at 30% of income incl. taxes/insurance. brand-new or renovated home. homebuyer education and financial literacy training. 资金来自Donations, sponsors, and Habitat affiliate funds; homes built with volunteer and sweat-equity labor.

Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program是第一抵押贷款，按Habitat for Humanity Peninsula and Greater Williamsburg设定的条款偿还。 触发还款的情形：Affordable, zero-interest-equivalent monthly mortgage payments over a 20-30 year term; the home is purchased, not granted. 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 Peninsula and Greater Williamsburg — First-Time Homebuyer 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：Cannot have owned a home within the past three years. 关于信用，该项目说明：No minimum credit score stated. Clean credit history required: unpaid collections/charge-offs/judgments/liens satisfied; no late loan/credit payments in last 12 months; 2+ years past any bankruptcy discharge with re-established credit. 须参加购房者教育课程，由Habitat for Humanity Peninsula and Greater Williamsburg (homebuyer education and financial literacy classes required before purchase).提供。 居住要求：Must live or work for at least one year in Hampton, James City County, Newport News, Poquoson, Williamsburg, York County, Charles City County, or New Kent County. 300-hour sweat-equity requirement; first-time (no ownership in past 3 years); must live/work in service area 1+ year; clean credit; DTI under 40% with Habitat mortgage; income within published min/max. $55/applicant fee. James City County applicants purchase through the JCC Community Land Trust. Status: 2026 application period CLOSED; next round April 2027 (recurring program, not discontinued). Special-population flags set false (program open to all qualifying applicants, no population-specific carve-out).

Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program的收入限制如下：Total annual gross income from all household members must fall between published minimum and maximum for household size. Max: 1=$59,650; 2=$68,200; 3=$76,700; 4=$85,200; 5=$92,050; 6=$98,850; 7=$105,650; 8=$112,500. Min: 1=$29,840; 2=$34,080; 3=$38,360; 4=$42,600; 5=$46,040; 6=$49,440; 7=$52,840; 8=$56,240. 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 Peninsula and Greater Williamsburg — First-Time Homebuyer Program的房价上限如下：Home sold at an affordable price so the zero-interest payment (incl. taxes/insurance) is no more than 30% of buyer income. 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 Peninsula and Greater Williamsburg — First-Time Homebuyer Program服务于在Newport News，Virginia购房的购房者。 该项目针对特定区域：Current build cycle targets Charles City County, Hampton, and James City County (2026 application round / 2027 construction).

Habitat for Humanity Peninsula and Greater Williamsburg — First-Time Homebuyer Program的申请通过Habitat for Humanity Peninsula and Greater Williamsburg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Annual open application round each April (2026 round closed April 30, 2026; next round April 2027). Family Selection Committee reviews based on need, ability to pay, and lots available.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。