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.

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.

Habitat for Humanity Greater Sacramento - 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. On credit, the program states: Contact lender for current credit score requirements. A homebuyer education course is required, through Habitat homebuyer education program (required). Residency requirement: Greater Sacramento area. Citizenship or immigration status: U.S. citizen, permanent resident alien, or other eligible non-citizen. Must complete 300-500 hours of sweat equity; income 30-60% AMI; no credit/criminal history that would impair ability to repay; 0% interest mortgage; below-market purchase price.

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.

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.

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

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