Habitat for Humanity of Northwest Connecticut Home Partnership Program

What is Habitat for Humanity of Northwest Connecticut Home Partnership Program?

Habitat for Humanity of Northwest Connecticut Home Partnership Program is a first mortgage for homebuyers in Salisbury, Connecticut, administered by Habitat for Humanity of Northwest Connecticut.

• The Habitat Home Partnership Program lets income-qualified families in northwest Litchfield County buy a Habitat-built or rehabbed home with a zero-interest mortgage and affordable payments. Habitat retains title to the land (buyers pay property taxes only on the improvements). Buyers invest sweat equity and complete financial-literacy and home-maintenance training.
• Zero-interest first mortgage.
• Below-market home price.
• Lower property taxes (land retained by Habitat).
• Financial literacy training.
• Sweat-equity pathway.
• Funding comes from Habitat affiliate (donations, donated materials, volunteer labor, recycled mortgage payments).

Do you have to pay it back?

Habitat for Humanity of Northwest Connecticut Home Partnership Program is a first mortgage and is repaid under the terms set by Habitat for Humanity of Northwest Connecticut.

• 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 Northwest Connecticut Home Partnership 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 of Northwest Connecticut Home Partnership Program limits household income to 60% of the area median income, which varies by county and household size.

• Family income below 60% of Litchfield County median by household size (2024 figures): 1p $48,000; 4p $68,520; 8p $90,480.
• The limit applies to total household income, not only the borrower’s.
• 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 Northwest Connecticut Home Partnership Program can be used for Single Family.

• New construction is eligible.

Where does it apply?

Habitat for Humanity of Northwest Connecticut Home Partnership Program serves buyers purchasing in Salisbury, Connecticut.

How do you apply?

Applications for Habitat for Humanity of Northwest Connecticut Home Partnership Program go through Habitat for Humanity of Northwest Connecticut, which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program before funds are reserved.

2. 2

   Contact Habitat for Humanity of Northwest Connecticut to reserve funds

   Funds are reserved through Cyclical application windows tied to specific builds (currently North Canaan build window closed)., 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.