Siouxland Habitat for Humanity Homeownership Program

Siouxland Habitat for Humanity Homeownership Program is down payment assistance for homebuyers in Sioux City, Iowa, administered by Siouxland Habitat for Humanity. Siouxland Habitat for Humanity builds and sells homes to income-qualified first-time homebuyers who partner with Habitat through sweat equity and pay an affordable monthly mortgage. Serves Woodbury, Plymouth and Sioux counties (IA) plus Union County (SD) and Dakota County (NE). The application cycle typically opens for about one month annually. Purchase of a Habitat-built home with an affordable monthly mortgage and a modest down payment. Structured for families at 40-80% AMI. Sweat equity. Funding comes from Siouxland Habitat for Humanity (donations, recycled mortgage payments, sponsors).

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

Siouxland Habitat for Humanity Homeownership Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. A homebuyer education course is required, through Siouxland Habitat for Humanity. Residency requirement: Must live or work in a served community (Woodbury/Plymouth/Sioux IA; Union SD; Dakota NE) 1 year, within 20 miles of build site. First-time homebuyer; willing to partner (sweat equity); live/work in served community 1 year. Annual ~1-month application cycle (spring or fall) — confirm open window before publish.

Siouxland Habitat for Humanity Homeownership Program limits household income to 80% of the area median income, which varies by county and household size. Household income between 40% and 80% of area median income (HUD, updated annually). Sioux County 2025 4-person range $43,867-$87,680. 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.

Siouxland Habitat for Humanity Homeownership Program can be used for Single Family. New construction is eligible.

Siouxland Habitat for Humanity Homeownership Program serves homebuyers purchasing in Sioux City, Iowa.

Applications for Siouxland Habitat for Humanity Homeownership Program go through Siouxland Habitat for Humanity, which publishes the current terms and the application steps on its own site. Funds are reserved through Annual open application cycle (about one month, spring or fall). 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.