Marshall County Habitat for Humanity Homeownership Program

What is Marshall County Habitat for Humanity Homeownership Program?

Marshall County Habitat for Humanity Homeownership Program is down payment assistance for homebuyers in Guntersville, Alabama, administered by Marshall County Habitat for Humanity.

• Marshall County Habitat for Humanity makes homeownership possible for low-income households in Guntersville, Albertville, Arab, Boaz, and surrounding Marshall County communities. The affiliate offers 0%-interest affordable mortgage loans to purchase Habitat-built or renovated homes. Monthly payments are capped at 30% of gross income and include principal, property taxes, homeowner's insurance, termite protection, and servicing fees. Selection is based on need, ability to pay, and willingness to partner (sweat equity). Applications are available online; an Application Information Meeting is required. Process typically takes 12–24 months.
• 0% interest mortgage.
• Monthly payment capped at 30% of gross income.
• Sweat equity partnership.
• Online application available.
• Funding comes from Private/nonprofit — Habitat for Humanity affiliate.

Do you have to pay it back?

Marshall County Habitat for Humanity Homeownership Program is down payment assistance and is repaid under the terms set by Marshall County Habitat for Humanity.

• 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?

Marshall County 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?

Marshall County Habitat for Humanity Homeownership Program sets its income limit as follows: Must fall within HUD income guidelines for Marshall County (specific dollar table not published on affiliate website as of June 2026 — contact affiliate to confirm current limits).

• 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?

Marshall County Habitat for Humanity Homeownership Program can be used for single_family.

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

Where does it apply?

Marshall County Habitat for Humanity Homeownership Program serves buyers purchasing in Guntersville, Alabama.

How do you apply?

Applications for Marshall County Habitat for Humanity Homeownership Program go through Marshall County Habitat for Humanity, 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 Marshall County Habitat for Humanity — Application Information Meeting required.

2. 2

   Contact Marshall County Habitat for Humanity 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.