Calhoun Cleburne Habitat for Humanity Homeownership Program

Calhoun Cleburne Habitat for Humanity Homeownership Program is down payment assistance for homebuyers in Oxford, Alabama, administered by Calhoun Cleburne Habitat for Humanity. Calhoun Cleburne Habitat for Humanity provides affordable homeownership in Calhoun and Cleburne counties to families who would not normally qualify for a conventional mortgage, offering a 30-to-35-year zero-interest mortgage with payments of ~$450/month including insurance and taxes. Homebuyers invest sweat equity (275 hours single / 550 combined) plus required homeowner education; process takes ~9-12 months. Zero-interest 30-to-35-year mortgage. Affordable payment ~$450/month incl. insurance and taxes. Builds equity via sweat equity. Homeowner education workshops. Veterans Build option. Funding comes from Calhoun Cleburne Habitat for Humanity (nonprofit); mortgage payments recycled into building more affordable homes.

Calhoun Cleburne Habitat for Humanity Homeownership Program is down payment assistance and is repaid under the terms set by Calhoun Cleburne Habitat for Humanity. Repayment is triggered by Affordable 30-to-35-year zero-interest mortgage; monthly payments approximately $450 including homeowner's insurance and property taxes. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Calhoun Cleburne Habitat for Humanity Homeownership Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. A homebuyer education course is required, through Calhoun Cleburne Habitat for Humanity (homeowner education workshops; personal finance and home maintenance). Residency requirement: Must be a legal resident of Calhoun or Cleburne County for at least one year prior to applying. Citizenship or immigration status: U.S. citizen or permanent legal resident. NOTE: affiliate states it is NOT currently accepting new applications (intake paused; program otherwise active, recent dedication April 2026). Sweat equity: 275 hours single / 550 combined. $500 down payment if approved; non-refundable application fee. No more than $2,500 in collections; no current bankruptcy; cannot currently own a livable home; must not qualify for a conventional bank loan.

Calhoun Cleburne Habitat for Humanity Homeownership Program sets its income limit as follows: Total annual household income must not exceed Habitat's limit for the applicant's family size (low-income households who would not qualify for a conventional mortgage). Specific dollar limits not published on site. The limit applies to total household income, not only the borrower’s. The program lists a maximum household size of 6. Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

Calhoun Cleburne Habitat for Humanity Homeownership Program can be used for Single Family. New construction is eligible. Manufactured homes are not eligible.

Calhoun Cleburne Habitat for Humanity Homeownership Program names veterans among the groups it serves. Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Calhoun Cleburne Habitat for Humanity Homeownership Program serves homebuyers purchasing in Oxford, Alabama.

Applications for Calhoun Cleburne Habitat for Humanity Homeownership Program go through Calhoun Cleburne Habitat for Humanity, which publishes the current terms and the application steps on its own site. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.