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Wiregrass Habitat for Humanity Homeownership Program

Wiregrass Habitat for Humanity, Inc. · Dothan, Alabama

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What is Wiregrass Habitat for Humanity Homeownership Program?

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

  • Wiregrass Habitat for Humanity is a nonprofit serving Dale, Henry, Geneva, and Houston counties that builds affordable homes for families in substandard housing. Selection is based on need, income/credit, and willingness to partner. Selected families invest at least 500 sweat-equity hours, attend required homebuyer education, make a $1,000 down payment, and repay an affordable Habitat mortgage.
  • Affordable Habitat mortgage on a newly built home.
  • Builds equity via sweat equity.
  • Required homebuyer education.
  • Replaces substandard housing.
  • Funding comes from Wiregrass Habitat for Humanity, Inc. (nonprofit Christian housing ministry).

Do you have to pay it back?

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

  • Repayment is triggered by Affordable Habitat mortgage; monthly payments to repay the affordable loan.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Wiregrass 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 numeric minimum published; applicants must demonstrate adequate credit showing willingness to repay debts
  • A completed homebuyer education course, through Wiregrass Habitat for Humanity (homebuyer education workshops)
  • Residency: Serves Dale, Henry, Geneva, and Houston counties; applicants typically residing in substandard housing in the service area
  • Minimum 500 sweat-equity hours; willingness to partner; $1,000 down payment; must attend an Application Orientation to receive an application (call (334) 792-8453). Applicants must currently reside in substandard housing. GAP NOTE: published income table dated 2017 and likely outdated.

The program excludes

  • Manufactured homes

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?

Wiregrass Habitat for Humanity Homeownership Program sets its income limit as follows: Families must have steady, verifiable income sufficient to meet existing debt plus a new mortgage payment, within Habitat's income guidelines by family size. The income table published on the site is labeled 'Year 2017 Guidelines' and appears outdated; current dollar limits not confirmed.

  • 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?

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

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

Where does it apply?

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

How do you apply?

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

  1. Take a homebuyer education course

    Required by the program, through Wiregrass Habitat for Humanity (homebuyer education workshops).

  2. Contact Wiregrass Habitat for Humanity, Inc. 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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