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Habitat for Humanity of Yuma Homeownership Program

Habitat for Humanity of Yuma · Yuma, Arizona

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Income limit

60% AMI

Of area median income; varies by county and household size

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 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
  • A completed homebuyer education course
  • DRAFT (dpa-gap-finder 2026-06-12): pending review. 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. 60% AMI is the national Habitat standard; Yuma-specific limit unconfirmed.

The program excludes

  • Manufactured homes
  • Households above 60% of area median income

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?

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 buyers 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.

  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 buyer can take it to a lender or housing counselor.

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