Siouxland Habitat for Humanity Homeownership Program

What is 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).

Do you have to pay it back?

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.

Who qualifies?

Siouxland Habitat for Humanity Homeownership Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

What are the income limits?

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.

What kind of home can it be used for?

Siouxland Habitat for Humanity Homeownership Program can be used for Single Family.

• New construction is eligible.

Where does it apply?

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

How do you apply?

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.

1. 1

   Take a homebuyer education course

   Required by the program, through Siouxland Habitat for Humanity.

2. 2

   Contact Siouxland Habitat for Humanity to reserve funds

   Funds are reserved through Annual open application cycle (about one month, spring or fall), 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.