Habitat for Humanity Quad Cities Homeownership Program

What is Habitat for Humanity Quad Cities Homeownership Program?

Habitat for Humanity Quad Cities Homeownership Program is down payment assistance for homebuyers in Davenport, Iowa, administered by Habitat for Humanity Quad Cities.

• Habitat for Humanity Quad Cities builds and sells homes to income-qualified partner families in Scott County, Iowa and Rock Island County, Illinois. Buyers pay a zero-percent interest 25-30 year mortgage with an affordable down payment, structured so the payment does not exceed 30% of monthly household income. Families complete sweat equity and homebuyer education.
• Habitat-built ~1,100 sq ft 3-bedroom home with a 0% interest 25-30 year mortgage.
• Affordable down payment.
• Payment kept under 30% of income.
• Includes appliances, basement, parking pad, shed.
• Funding comes from Habitat for Humanity Quad Cities (donations, recycled mortgage payments, sponsors).

Do you have to pay it back?

Habitat for Humanity Quad Cities Homeownership Program is down payment assistance and is repaid under the terms set by Habitat for Humanity Quad Cities.

• 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.

Who qualifies?

Habitat for Humanity Quad Cities Homeownership Program is open to buyers who will live in the home as their primary residence.

What are the income limits?

Habitat for Humanity Quad Cities Homeownership Program sets its income limit as follows: Income within HUD income guidelines (posted 06/2025); a family of 3 or fewer must make at least $30,000/year. Min/max ranges by household size in the HUD guidelines on the program page.

• 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 Quad Cities Homeownership Program can be used for Single Family.

• New construction is eligible.

Where does it apply?

Habitat for Humanity Quad Cities Homeownership Program serves buyers purchasing in Davenport, Iowa.

• Targeted neighborhoods: Scott County, IA (Davenport) and Rock Island County, IL.

How do you apply?

Applications for Habitat for Humanity Quad Cities Homeownership Program go through Habitat for Humanity Quad Cities, which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program, through Habitat for Humanity Quad Cities homebuyer education.

2. 2

   Contact Habitat for Humanity Quad Cities to reserve funds

   Funds are reserved through Periodic open application sign-up periods, and are subject to availability.

3. 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.