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Montgomery Habitat for Humanity Homeownership Program

Montgomery Habitat for Humanity · Montgomery, Alabama

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What is Montgomery Habitat for Humanity Homeownership Program?

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

  • Montgomery Habitat for Humanity empowers qualified partner families to build and buy their own homes. Selection is based on need, ability to pay a no-interest mortgage, and willingness to partner. Selected families purchase a newly constructed home financed by a 0% interest, 20-year mortgage (monthly payments averaging $400-$500 incl. taxes and insurance) and must complete 400 hours of sweat equity. Orientations are held quarterly; applicants proceed through a 6-step process with closing ~12-18 months after approval.
  • 0% interest 20-year mortgage.
  • Payments average $400-$500 incl. taxes/insurance.
  • Newly constructed energy-efficient home.
  • Financial counseling and homeowner education.
  • Funding comes from Sponsor-funded houses and community/volunteer support; affiliate-held 0% mortgage (third-party serviced).

Do you have to pay it back?

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

  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

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

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • On credit: No published minimum; credit and criminal background check performed after initial application review
  • A completed homebuyer education course, through Required workshops and financial-literacy classes counting toward 400 sweat-equity hours; Family Support Committee counseling
  • Residency: Must currently live in Montgomery County, Alabama
  • DRAFT (dpa-gap-finder 2026-06-13): pending review. Verified on the affiliate's official site. Habitat 0% 20-year mortgage model (no fixed DPA dollar amount). Income 30-60% of Montgomery County median; 400 sweat-equity hours; credit and criminal background check; first-time homebuyer only; must attend a quarterly orientation to receive an application. GAP: no published income dollar table or provider email.

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Montgomery Habitat for Humanity Homeownership Program sets its income limit as follows: Household income should fall within 30%-60% of the median income for Montgomery County for the current year. No specific dollar table published.

  • 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?

Montgomery Habitat for Humanity Homeownership Program can be used for Single Family.

  • New construction is eligible.

Where does it apply?

Montgomery Habitat for Humanity Homeownership Program serves buyers purchasing in Montgomery, Alabama.

How do you apply?

Applications for Montgomery Habitat for Humanity Homeownership Program go through Montgomery Habitat for Humanity, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Required workshops and financial-literacy classes counting toward 400 sweat-equity hours; Family Support Committee counseling.

  2. Contact Montgomery Habitat for Humanity to reserve funds

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

  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.

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