Richmond Metropolitan Habitat for Humanity Homeownership Program

Richmond Metropolitan Habitat for Humanity Homeownership Program是面向Richmond，Virginia购房者的第一抵押贷款，由Richmond Metropolitan Habitat for Humanity管理。 Richmond Metropolitan Habitat for Humanity's Homeownership Program offers affordable, sweat-equity homeownership to qualifying households at or below 80% AMI in the City of Richmond, Chesterfield County, and Henrico County, VA. Selected partner families purchase a Habitat-built or rehabilitated single-family home with an affordable mortgage (payment capped at 30% of gross income), originated and serviced by the affiliate, after completing 350 sweat-equity hours, Homebuyer Club classes, and budgeting meetings. The program is active and recruiting (Homeowner Orientation classes held regularly; homes currently for sale; FY25 HUD income guidelines). Affordable mortgage payment capped at 30% of gross income. no traditional down payment (sweat equity substitutes). Habitat-built/rehabbed single-family home. homebuyer education and budgeting support. 资金来自Donations, recycled mortgage payments, grants, and ReStore proceeds.

Richmond Metropolitan Habitat for Humanity Homeownership Program是第一抵押贷款，按Richmond Metropolitan Habitat for Humanity设定的条款偿还。 触发还款的情形：Affordable Habitat mortgage payments (payment not exceeding 30% of gross income); 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。

Richmond Metropolitan Habitat for Humanity Homeownership Program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：No specific minimum published. Credit criteria: no unpaid non-medical charge-offs; no collections or unpaid judgments; pays rent on time; bankruptcy/foreclosure stipulations apply. 须参加购房者教育课程，由Richmond Metropolitan Habitat for Humanity (Homeowner Orientation, Homebuyer Club classes, one-on-one budgeting).提供。 居住要求：Serves City of Richmond, Chesterfield County, and Henrico County, VA. 公民身份或移民身份：Must be a US Citizen or Permanent Resident. Three guidelines: need, ability to pay (income within guidelines, payment <=30% gross, clean credit, two years stable income, non-mortgage debt <=13% of income), willingness to partner (350 sweat-equity hours, classes, budgeting). Must be US Citizen or Permanent Resident; criminal background check; cannot serve applicants with a registered sex offender in the household. Distinct from Habitat of Greater Charlottesville and Maggie Walker CLT.

Richmond Metropolitan Habitat for Humanity 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。 Serves households at or below 80% AMI for the Richmond MSA (FY25 HUD). Max annual income: 1=$63,600; 2=$72,650; 3=$81,750; 4=$90,800; 5=$98,100; 6=$105,350; 7=$112,600; 8=$119,900. Minimum income also applies (1-5=$40,000; 6=$43,150; 7=$48,650; 8=$54,150). 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。

Richmond Metropolitan Habitat for Humanity Homeownership Program的房价上限如下：Homes sold with an affordable mortgage (payment not exceeding 30% of gross income); specific max not published. 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。

Richmond Metropolitan Habitat for Humanity Homeownership Program服务于在Richmond，Virginia购房的购房者。

Richmond Metropolitan Habitat for Humanity Homeownership Program的申请通过Richmond Metropolitan Habitat for Humanity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Attend a Homeowner Orientation class, then apply; Homeowner Selection Committee assesses need, ability to pay, and willingness to partner.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。