hey prescott.
See what you qualify for

Habitat for Humanity - Gwinnett/Walton

Gwinnett, Walton County, Georgia

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

80% AMI

Of area median income; varies by county and household size

Repayment

Repayable

Repaid on the terms set by the administering agency

What is Habitat for Humanity - Gwinnett/Walton?

Habitat for Humanity - Gwinnett/Walton is a repayable second loan for homebuyers in Gwinnett, Walton County, Georgia.

  • Habitat for Humanity - Gwinnett/Walton provides affordable homeownership through no-interest mortgages for income-qualifying families in Gwinnett and Walton counties. Partner families contribute sweat equity hours (counted as down payment), complete homebuyer education, and purchase Habitat-built or renovated homes at affordable prices with 0% interest financing.
  • 0% interest mortgage — no interest charges ever.
  • Sweat equity hours count as down payment (300-500 hours required).
  • Affordable monthly payments based on income.
  • Homebuyer education and financial counseling provided.
  • Serves families earning 30%-80% AMI in Gwinnett and Walton counties.
  • Funding comes from Nonprofit.

Do you have to pay it back?

Habitat for Humanity - Gwinnett/Walton is a repayable second loan and is repaid under the terms set by the administering agency.

  • Repayment is triggered by Sale, No Longer Primary, and Transfer of Title.
  • The assistance is recorded in 1st Lien 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 - Gwinnett/Walton 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: No minimum credit score; creditworthiness evaluated holistically by Habitat
  • A completed homebuyer education course
  • Residency: County Resident
  • Citizenship or immigration status: U.S. Citizen or Permanent Resident
  • Must reside in Gwinnett or Walton County for at least 12 months prior to application. Partner families must complete 250-500 hours of sweat equity (counts toward down payment). Completion of Habitat homebuyer education course required. Home must be Habitat-built or renovated property.

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?

Habitat for Humanity - Gwinnett/Walton limits household income to 80% of the area median income, which varies by county and household size.

  • 30%-80% AMI depending on household size and county.
  • 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 - Gwinnett/Walton can be used for Single Family and New Construction.

  • New construction is eligible.

Where does it apply?

Habitat for Humanity - Gwinnett/Walton serves buyers purchasing in Gwinnett, Walton County, Georgia.

How do you apply?

Applications for Habitat for Humanity - Gwinnett/Walton 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 through N/A, 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.

90-second match

Not sure which you qualify for?

Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.

Find my programs