Autauga-Chilton Habitat for Humanity Homeownership Program

What is Autauga-Chilton Habitat for Humanity Homeownership Program?

Autauga-Chilton Habitat for Humanity Homeownership Program is down payment assistance for homebuyers in Prattville, Alabama, administered by Habitat for Humanity of Autauga and Chilton Counties.

• Habitat for Humanity of Autauga and Chilton Counties provides 0%-interest affordable mortgage loans to low-income households in Autauga and Chilton Counties. Applicants must have lived or worked in the counties for at least 9 months, demonstrate housing need (e.g., unsafe/overcrowded housing, spending >30% of income on housing), have a credit score of approximately 550+, and have steady income within HUD guidelines. Selected families contribute sweat equity (100–400 hours depending on household composition) and a monthly savings of 2% of income from selection to move-in. The affiliate dedicated its 50th home in January 2025, confirming an active ongoing program.
• 0% interest mortgage.
• Serves both Autauga and Chilton counties.
• Clear sweat equity structure by household type.
• Active program — 50th home dedicated Jan 2025.
• Funding comes from Private/nonprofit — Habitat for Humanity affiliate.

Do you have to pay it back?

Autauga-Chilton Habitat for Humanity Homeownership Program is down payment assistance and is repaid under the terms set by Habitat for Humanity of Autauga and Chilton Counties.

• Repayment is triggered by sale, transfer, or failure to maintain owner-occupancy.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Autauga-Chilton Habitat for Humanity Homeownership Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

What are the income limits?

Autauga-Chilton Habitat for Humanity Homeownership Program sets its income limit as follows: Must fall within HUD income guidelines (specific AMI percentage and dollar table not published on affiliate website as of June 2026 — contact affiliate to confirm).

• The limit applies to total household income, not only the borrower’s.
• Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Autauga-Chilton Habitat for Humanity Homeownership Program can be used for single_family.

• New construction is eligible.
• Manufactured homes are not eligible.

Where does it apply?

Autauga-Chilton Habitat for Humanity Homeownership Program serves buyers purchasing in Prattville, Alabama.

How do you apply?

Applications for Autauga-Chilton Habitat for Humanity Homeownership Program go through Habitat for Humanity of Autauga and Chilton Counties, which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program, through Habitat for Humanity of Autauga and Chilton Counties — partner education as part of program.

2. 2

   Contact Habitat for Humanity of Autauga and Chilton Counties to reserve funds

   Funds are reserved with the provider and are subject to availability.

3. 3

   Work with a lender who handles the program

   Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.