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Habitat for Humanity of Greater New Haven Homeownership Program

Habitat for Humanity of Greater New Haven · New Haven, Connecticut

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Income limit

60% AMI

Of area median income; varies by county and household size

What is Habitat for Humanity of Greater New Haven Homeownership Program?

Habitat for Humanity of Greater New Haven Homeownership Program is a first mortgage for homebuyers in New Haven, Connecticut, administered by Habitat for Humanity of Greater New Haven.

  • Habitat for Humanity of Greater New Haven prepares income-qualified households to purchase a home built or rehabbed by the affiliate. Accepted applicants complete homebuyer education and sweat-equity hours, then enter a random home-selection process. Selected buyers purchase the home with an affordable 30-year, 0% interest purchase-money mortgage that keeps payments within reach for households at 30-60% AMI.
  • 0% interest 30-year first mortgage.
  • Below-market home price.
  • Homebuyer education and optional financial counseling.
  • Sweat-equity pathway.
  • Funding comes from Habitat affiliate (donations, recycled mortgage payments, donated materials/labor).

Do you have to pay it back?

Habitat for Humanity of Greater New Haven Homeownership Program is a first mortgage and is repaid under the terms set by Habitat for Humanity of Greater New Haven.

  • 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 of Greater New Haven 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 — with exceptions: Disqualified if currently own real estate or owned within the last three years.
  • The home is occupied as a primary residence
  • On credit: No numeric minimum; requires acceptable credit history; bankruptcies discharged at least two years.
  • A completed homebuyer education course, through Habitat for Humanity of Greater New Haven
  • Residency: Applicant must live or work in the service area for 12+ consecutive months (Greater New Haven towns incl. New Haven, Hamden, West Haven, Meriden, Milford, Branford, etc.).
  • Citizenship or immigration status: U.S. citizen or permanent resident
  • DRAFT (dpa-gap-finder 2026-06-13): pending admin review.

The program excludes

  • 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 Greater New Haven Homeownership Program limits household income to 60% of the area median income, which varies by county and household size.

  • Gross household income 30-60% of New Haven area median income (FY2025 HUD). Max 4p $90,950; includes income of all household members 18+.
  • 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 of Greater New Haven Homeownership Program can be used for Single Family.

  • New construction is eligible.

Where does it apply?

Habitat for Humanity of Greater New Haven Homeownership Program serves buyers purchasing in New Haven, Connecticut.

How do you apply?

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

  1. Take a homebuyer education course

    Required by the program, through Habitat for Humanity of Greater New Haven.

  2. Contact Habitat for Humanity of Greater New Haven to reserve funds

    Funds are reserved through Cyclical application rounds (multiple per year); 2025 round packets Aug 11-29, 2025. Random-draw home selection., 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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