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Habitat for Humanity of Yuma Homeownership Program

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

Last verified Source: Habitat for Humanity of Yuma
Check if this fits me Official program site ↗

The program asks for

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A completed homebuyer education course
  • Applicants must demonstrate need, ability to repay, and complete 200-400 sweat-equity hours. No standalone website found - contact (928) 783-3993 for application/income limits. Confirm operational status by direct contact.
  • A home in Yuma County

It doesn’t cover

  • Manufactured homes
  • Households above 60% of area median income
  • Homes outside Yuma County

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

Income limit

60% of Yuma County’s area median income

HUD sets the area median income each year. The limit changes with household size, so a family of five has a higher limit than a single homebuyer.

$79,300
Area median income, 4-person household (HUD, 2026)
Income limits in Arizona

Where it applies

Yuma County’s homes

  • 54.7% single-family
  • 4.3% townhouse
  • 4.6% 2–4 units
  • 6.2% 5+ units
  • 30.1% mobile & other

A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.

$217,800

Yuma County median home value

25.3%

built before 1980

U.S. Census Bureau, ACS 2024 5-year. More about buying in Yuma County

How to apply

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  2. Contact Habitat for Humanity of Yuma 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 homebuyer can take it to a lender or housing counselor.

Questions about this program

What is Habitat for Humanity of Yuma Homeownership Program?

Habitat for Humanity of Yuma Homeownership Program is a first mortgage for homebuyers in Yuma, Arizona, administered by Habitat for Humanity of Yuma. Habitat for Humanity of Yuma builds and sells homes in Yuma County with zero-interest mortgages to qualifying low-income families. Applicants demonstrate housing need, ability to pay a Habitat mortgage, and willingness to partner via 200-400 hours of sweat equity. Zero-interest mortgage. Sweat equity as down payment. Affordable monthly payments. New-construction homeownership.

Do you have to pay it back?

Habitat for Humanity of Yuma Homeownership Program is a first mortgage and is repaid under the terms set by Habitat for Humanity of Yuma. 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 of Yuma Homeownership Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. A homebuyer education course is required. Applicants must demonstrate need, ability to repay, and complete 200-400 sweat-equity hours. No standalone website found - contact (928) 783-3993 for application/income limits. Confirm operational status by direct contact.

What are the income limits?

Habitat for Humanity of Yuma Homeownership Program limits household income to 60% of the area median income, which varies by county and household size. Household income ~30-60% of Yuma County AMI; per-household-size table not published online - contact affiliate. 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 of Yuma Homeownership Program can be used for Single Family. New construction is eligible. Manufactured homes are not eligible.

Where does it apply?

Habitat for Humanity of Yuma Homeownership Program serves homebuyers purchasing in Yuma, Arizona.

How do you apply?

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

Also for Yuma County homebuyers

Whether two programs can be combined is up to each agency. Ask before you apply.

All 75 programs for Yuma County

Program terms are set by Habitat for Humanity of Yuma and can change; confirm on the official site before you apply.