Habitat for Humanity of Kanawha & Putnam Homeownership Program

Habitat for Humanity of Kanawha & Putnam Homeownership Program是面向Charleston，West Virginia购房者的第一抵押贷款，由Habitat for Humanity of Kanawha & Putnam County, Inc.管理。 Habitat for Humanity of Kanawha & Putnam offers low-to-moderate-income families a path to homeownership by purchasing a Habitat-built home with a 0% interest, 30-year mortgage. Applicants must earn no more than 60% of HUD Area Median Income, complete sweat equity (250+ hours per adult) and two nine-week education programs, and contribute a $600 down payment. 0% interest mortgage. 30-year term. $600 down payment. Sweat equity in lieu of large down payment. Refundable education fees. No profit on home sale. 资金来自Habitat for Humanity (nonprofit; Fund for Humanity / donations)。

Habitat for Humanity of Kanawha & Putnam Homeownership Program是第一抵押贷款，按Habitat for Humanity of Kanawha & Putnam County, Inc.设定的条款偿还。 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 Kanawha & Putnam 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：Credit report reviewed; no bankruptcy in past 2 years (must be discharged 2+ years)。 须参加购房者教育课程，由Nine-week Master Homeowner Program and nine-week Homeowner Financial Literacy Program ($90 each, refunded on completion); Introduction to Habitat Homeownership online course required to obtain application提供。 居住要求：Must have lived in Kanawha or Putnam County continuously at least 3 months at time of application。 Application only available after completing the Introduction to Habitat Homeownership online course; Sex Offender Registry and criminal background checks conducted; no bankruptcy in past 2 years. NMLS #1414397. Application windows only (e.g. Jan 5 - Feb 13, 2026).

Habitat for Humanity of Kanawha & Putnam Homeownership Program的收入限制如下：Household income must not exceed 60% of the Area Median Income as defined by HUD。 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 Kanawha & Putnam Homeownership Program可用于Single Family。 新建房屋符合条件。 预制房屋不符合条件。

Habitat for Humanity of Kanawha & Putnam Homeownership Program服务于在Charleston，West Virginia购房的购房者。

Habitat for Humanity of Kanawha & Putnam Homeownership Program的申请通过Habitat for Humanity of Kanawha & Putnam County, Inc.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。