Dubuque and Jackson Counties Habitat for Humanity Homeownership Program

Dubuque and Jackson Counties Habitat for Humanity Homeownership Program is down payment assistance for homebuyers in Dubuque, Iowa, administered by Dubuque and Jackson Counties Habitat for Humanity. Dubuque and Jackson Counties Habitat for Humanity builds and sells homes to income-qualified partner families who purchase the home with affordable financing (a zero-interest mortgage) so housing costs do not exceed 30% of household income. Partner families contribute sweat equity and complete homeownership education. Purchase of a Habitat-built home with a 0% mortgage so monthly housing costs stay under 30% of income. Modest down payment. Sweat equity. Funding comes from Dubuque and Jackson Counties Habitat for Humanity (donations, mortgage payments, sponsors).

Dubuque and Jackson Counties Habitat for Humanity Homeownership Program is down payment assistance and is repaid under the terms set by Dubuque and Jackson Counties Habitat for Humanity. 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.

Dubuque and Jackson Counties Habitat for Humanity Homeownership Program is open to homebuyers who will live in the home as their primary residence. On credit, the program states: No stated minimum; requires 2 years steady income, 2 years good rental history, non-medical debt below 13% of income. A homebuyer education course is required. Residency requirement: Willing to live in Dubuque or Jackson County. 200 hours sweat equity (single) / 300 (joint); $25 application fee; homeownership education; criminal background and sex-offender registry check; non-medical debt under 13% of income; mortgage payment up to 30% of gross income.

Dubuque and Jackson Counties Habitat for Humanity Homeownership Program limits household income to $82,150. The limit applies to total household income, not only the borrower’s. The program lists a maximum household size of 8. Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

Dubuque and Jackson Counties Habitat for Humanity Homeownership Program can be used for Single Family. New construction is eligible.

Dubuque and Jackson Counties Habitat for Humanity Homeownership Program serves homebuyers purchasing in Dubuque, Iowa.

Applications for Dubuque and Jackson Counties Habitat for Humanity Homeownership Program go through Dubuque and Jackson Counties Habitat for Humanity, which publishes the current terms and the application steps on its own site. Funds are reserved through Open application periods; readiness survey available. 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.