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Middlesex Habitat for Humanity Homeownership Program

Middlesex Habitat for Humanity of CT, Inc. · Cromwell, Connecticut

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Income limit

80% AMI

Of area median income; varies by county and household size

What is Middlesex Habitat for Humanity Homeownership Program?

Middlesex Habitat for Humanity Homeownership Program is down payment assistance for homebuyers in Cromwell, Connecticut, administered by Middlesex Habitat for Humanity of CT, Inc.

  • Middlesex Habitat for Humanity builds simple, decent, affordable homes in Middlesex County and sells them to income-qualified first-time buyers using a forgivable mortgage subsidy and a 0% Habitat mortgage to keep the purchase affordable. Selection is based on need, ability to pay, and willingness to partner, including required financial-education courses and sweat-equity hours. Because it is a sweat-equity Habitat purchase rather than standard DPA, it is not stackable with conventional DPA programs.
  • 0% interest Habitat mortgage.
  • Forgivable subsidy lowers purchase price.
  • Below-market home, no standard cash DPA.
  • Financial education + sweat equity.
  • Serves households under 80% AMI.
  • Funding comes from Donations, volunteer labor (sweat equity), Habitat fundraising; homes sold with a forgivable subsidy.

Do you have to pay it back?

Middlesex Habitat for Humanity Homeownership Program is down payment assistance and is repaid under the terms set by Middlesex Habitat for Humanity of CT, Inc..

  • Repayment is triggered by Affordability/resale and occupancy restrictions via a forgivable mortgage subsidy; standard Habitat 0% first mortgage repaid monthly while occupied.
  • The assistance is recorded in First mortgage held by Habitat plus a forgivable subsidy/silent second position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Middlesex Habitat for Humanity 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 — the program sets its own definition
  • The home is occupied as a primary residence
  • On credit: Score >= 650; no bankruptcy in past 3 years; <= $2,000 cumulative collections/charge-offs; no open judgments/liens; on-time payments
  • A completed homebuyer education course, through Habitat financial education courses plus sweat-equity hours building the home
  • Residency: Home located within Middlesex County, CT
  • DRAFT (dpa-gap-finder 2026-06-14): pending review. Below-market/no-cash DPA: affordability via forgivable subsidy and 0% mortgage rather than a cash grant. Requires 24-month stable income, 650+ credit, no bankruptcy in 3 years, under $2,000 collections, no open judgments/liens, capacity to save $7,000-$10,000. 4-person dollar income limit and purchase-price cap not published. Applications open intermittently when homes are under construction.

The program excludes

  • Households above 80% 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?

Middlesex Habitat for Humanity Homeownership Program limits household income to 80% of the area median income, which varies by county and household size.

  • Household income below 80% AMI for household size, per HUD guidelines.
  • The limit applies to total household income, not only the borrower&rsquo;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?

Middlesex Habitat for Humanity Homeownership Program can be used for Single Family.

  • New construction is eligible.

Where does it apply?

Middlesex Habitat for Humanity Homeownership Program serves buyers purchasing in Cromwell, Connecticut.

  • The program targets specific areas: Serves Middlesex County, Connecticut.

How do you apply?

Applications for Middlesex Habitat for Humanity Homeownership Program go through Middlesex Habitat for Humanity of CT, Inc., 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 financial education courses plus sweat-equity hours building the home.

  2. Contact Middlesex Habitat for Humanity of CT, Inc. to reserve funds

    Funds are reserved with the provider 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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