Habitat for Humanity Greater Sacramento - Homeownership Program

What is Habitat for Humanity Greater Sacramento - Homeownership Program?

Habitat for Humanity Greater Sacramento - Homeownership Program is a grant for homebuyers in Sacramento County, California.

• Fixed 30-year mortgages at 0% interest (or 0% interest equivalent). No traditional down payment. Sweat equity required. HUD income limits apply (April 2025–April 2026). Income 30–80% AMI.
• Down payment and/or closing cost assistance.
• Funding comes from Non-profit / Donations.

Do you have to pay it back?

Habitat for Humanity Greater Sacramento - Homeownership Program is structured as a grant, so it is not repaid.

• Repayment is triggered by Sale or transfer.
• 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 Greater Sacramento - 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 Greater Sacramento - Homeownership Program limits household income to 80% of the area median income, which varies by county and household size.

• Low income: household income ≤80% of Area Median Income (AMI).
• 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 Greater Sacramento - Homeownership Program caps the purchase price as follows: Contact program for current purchase price limits.

• Eligible property types include Habitat-built single-family home.
• New construction is eligible.
• Manufactured homes are not eligible.

Where does it apply?

Habitat for Humanity Greater Sacramento - Homeownership Program serves buyers purchasing in Sacramento County, California.

How do you apply?

Applications for Habitat for Humanity Greater Sacramento - Homeownership Program go through the administering agency, 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 homebuyer education program (required).

2. 2

   Contact the administering agency to reserve funds

   Funds are reserved through Contact provider directly; subject to funding availability, 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.