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).

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.

Habitat for Humanity of Northwest Connecticut Home Partnership 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. A homebuyer education course is required. Residency requirement: Must live, work, or have a close connection to Canaan, Cornwall, Falls Village, Norfolk, North Canaan, Salisbury, Torrington, or Sharon.

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.

Habitat for Humanity of Northwest Connecticut Home Partnership Program can be used for Single Family. New construction is eligible.

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

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