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.

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.

Habitat for Humanity Tucson Affordable Homeownership Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time" has exceptions here: No principal residence ownership in prior 3 years (HUD definition). A homebuyer education course is required, through Habitat for Humanity Tucson mandatory homebuyer education classes and family mentoring program. Residency requirement: Southern Arizona / Tucson area. Citizenship or immigration status: U.S. citizen or permanent resident (all household members). Applicants must attend a mandatory Information Session before receiving an application. Sweat equity of approximately 200 hours is required. Program duration 1-2 years. Ability to pay the mortgage must be demonstrated. Current housing need must be demonstrated. No foreclosures/bankruptcies in last 3 years; no open collections/liens/judgments. Max DTI 43%; personal recurring debt must not exceed 8% after housing costs.

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.

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.

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.

Habitat for Humanity Tucson Affordable Homeownership Program serves homebuyers purchasing in Tucson, Arizona. Targeted neighborhoods: Southern Arizona / Tucson area builds.

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