Homebuyer Program

Homebuyer Program是面向Seattle，Washington购房者的延期第二贷款。 Habitat for Humanity Seattle-King & Kittitas Counties Homebuyer Program — sells Habitat-built/rehabbed homes to income-qualified families with a 0% interest first mortgage and shared-appreciation covenants. Treated as a Loan per user input and modeled with deferred forgivable / shared-equity structure. Income-qualified homebuyer program — Habitat for Humanity Seattle-King & Kittitas Counties sells newly built or rehabbed Habitat homes to qualifying low-to-moderate-income families with a 0% interest first mortgage and shared-appreciation / ground-lease conventions to preserve long-term affordability. Effective subsidy operates as a deferred forgivable second / shared-equity covenant. 'Sweat equity' (250+ volunteer hours) typically required. 资金来自Nonprofit、Federal、HUD、HOME、Donor和Private。

Homebuyer Program在30年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Mortgage amortizes monthly at 0%和shared-appreciation / right-of-first-refusal covenants apply on resale。 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。

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：Special hardship cases per Habitat policy。 关于信用，该项目说明：620 minimum FICO typical; emphasis is on payment history rather than score。 须参加购房者教育课程，由Habitat for Humanity homebuyer education and financial coaching (HUD-approved)提供。 居住要求：Property within King or Kittitas County; owner-occupied primary residence。 公民身份或移民身份：U.S. citizen or legal permanent resident。 First-time homebuyer (or did not own home in past 3 years). Income $60,350 (1 person) to $159,950 (8 person) per HUD 30-80% AMI for King County. Sweat-equity hours required (typically 250+ per adult household member). Habitat-approved homebuyer education and financial coaching required. Must demonstrate ability to pay affordable mortgage, willingness to partner with Habitat, and need for housing. Properties built or rehabbed by Habitat in King / Kittitas counties.

Homebuyer 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。 Household income $60,350 (1 person) to $159,950 (8 person) per HUD 30-80% AMI for King County. 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。

Homebuyer Program的房价上限如下：Per Habitat home appraisal — Habitat sells at appraised value subsidized by silent second / ground lease。 符合条件的房屋类型包括Habitat-built or Habitat-rehabbed single-family / townhouse / condo within Habitat developments。 新建房屋符合条件。 预制房屋不符合条件。

Homebuyer Program在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员和遗属配偶。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Homebuyer Program服务于在Seattle，Washington购房的购房者。 该项目针对特定区域：King and Kittitas counties (Habitat for Humanity Seattle-King & Kittitas service area)。

Homebuyer 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 via Habitat for Humanity Seattle; selection is by Habitat homeownership selection committee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。