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Habitat for Humanity of Brevard County

Brevard County, Florida

Last verified
See what you qualify forOfficial program site →
Income limit

60% AMI

Of area median income; varies by county and household size

Repayment

Grant

Not repaid

What is Habitat for Humanity of Brevard County?

Habitat for Humanity of Brevard County is a grant for homebuyers in Brevard County, Florida.

  • Habitat for Humanity of Brevard builds and sells affordable homes in Melbourne, Palm Bay, and surrounding Brevard County. 0% interest mortgages with sweat equity replacing down payment.
  • Funding comes from Nonprofit.

Do you have to pay it back?

Habitat for Humanity of Brevard County is structured as a grant, so it is not repaid.

  • 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 Brevard County 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
  • A completed homebuyer education course
  • 300 hours sweat equity required.

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 Brevard County limits household income to 60% of the area median income, which varies by county and household size.

  • Income generally 25%-60% AMI for Brevard County.
  • 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 Brevard County can be used for Single Family.

Where does it apply?

Habitat for Humanity of Brevard County serves buyers purchasing in Brevard County, Florida.

How do you apply?

Applications for Habitat for Humanity of Brevard County go through the administering agency, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  2. Contact the administering agency 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.

Learn this program

Short reads on how it works, in plain language. Free, no sign-up needed to read.

Free course from Hey Prescott

Habitat for Humanity of Brevard County, explained

A short, free course on Habitat for Humanity of Brevard County: what it is, who it is for, whether it has to be paid back, where it applies and how to apply. Based on program data from July 2026. About ten minutes.

5 modules · About 10 minutes

Read the course

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