Habitat for Humanity Tucson Affordable Homeownership Program

What is Habitat for Humanity Tucson Affordable Homeownership Program?

Habitat for Humanity Tucson Affordable Homeownership Program is a first mortgage for homebuyers in Tucson, Arizona, administered by Habitat for Humanity Tucson.

• Affordable below-market mortgage.
• No traditional down payment required (sweat equity instead).
• New construction home.
• Mandatory homebuyer education and mentoring.
• Income limits up to ~80% AMI.
• Application cycle open through June 30, 2026.

Do you have to pay it back?

Habitat for Humanity Tucson Affordable Homeownership Program is a first mortgage and is repaid under the terms set by Habitat for Humanity Tucson.

• The assistance is recorded in First position.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Habitat for Humanity Tucson Affordable 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?

Habitat for Humanity Tucson Affordable Homeownership Program limits household income to $77,844.

• The limit applies to total household income, not only the borrower’s.
• The program lists a maximum household size of 8.
• 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?

Habitat for Humanity Tucson Affordable Homeownership Program caps the purchase price as follows: Homes priced for affordability; pricing set by Habitat Tucson based on ability to pay.

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

Is there eligibility for specific groups?

Habitat for Humanity Tucson Affordable Homeownership Program names healthcare workers 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.

Where does it apply?

Habitat for Humanity Tucson Affordable Homeownership Program serves buyers purchasing in Tucson, Arizona.

• Targeted neighborhoods: Southern Arizona / Tucson area builds.

How do you apply?

Applications for Habitat for Humanity Tucson Affordable Homeownership Program go through Habitat for Humanity Tucson, 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 Habitat for Humanity Tucson mandatory homebuyer education classes and family mentoring program.

2. 2

   Contact Habitat for Humanity Tucson to reserve funds

   Funds are reserved through Application periods; current deadline June 30, 2026, 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.