Habitat for Humanity of Baldwin County Homeownership Program

Habitat for Humanity of Baldwin County Homeownership Program is down payment assistance for homebuyers in Foley, Alabama, administered by Habitat for Humanity of Baldwin County. Habitat for Humanity of Baldwin County offers an affordable homeownership pathway combining coaching, free homebuyer education, and help finding affordable mortgage financing. Its 'Home Direct' program fast-tracks buyers ready to purchase within 90 days and offers an in-house mortgage product to eligible borrowers, plus help with closing costs. The affiliate is licensed by the AL Dept. of Banking (NMLSR #267248). Individualized coaching. Free homebuyer education (Financial Foundations). Help finding DPA/closing assistance and affordable financing. In-house mortgage product. Fast-track Home Direct purchase within 90 days. Funding comes from Habitat for Humanity of Baldwin County (nonprofit); in-house mortgage product; partner homebuyer-assistance funds.

Habitat for Humanity of Baldwin County Homeownership Program is down payment assistance and is repaid under the terms set by Habitat for Humanity of Baldwin County. Repayment is triggered by Monthly mortgage payments on affordable financing; sale or transfer terms per loan documents. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Habitat for Humanity of Baldwin County 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 Habitat for Humanity of Baldwin County (Financial Foundations classes; free homebuyer education). Residency requirement: Must live or work in Baldwin County (exceptions possible if relocation would not negatively impact mortgage qualification). Cannot currently own a home; must qualify for affordable mortgage financing; no household member required to register as a sex offender. Specific sweat-equity hour requirement not published for the Home Direct path (gap note).

Habitat for Humanity of Baldwin County Homeownership Program limits household income to 120% of the area median income, which varies by county and household size. Generally up to 120% of area median income (AMI). Minimum income must support all homeownership expenses. Some partner funds/properties carry lower limits (typically 80% AMI). Current set effective May 11, 2026. 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.

Habitat for Humanity of Baldwin County Homeownership Program can be used for Single Family. New construction is eligible. Manufactured homes are not eligible.

Habitat for Humanity of Baldwin County Homeownership Program serves homebuyers purchasing in Foley, Alabama.

Applications for Habitat for Humanity of Baldwin County Homeownership Program go through Habitat for Humanity of Baldwin County, 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.