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Habitat for Humanity of Kankakee County Homeownership Program

Habitat for Humanity of Kankakee County · Kankakee, Illinois

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What is Habitat for Humanity of Kankakee County Homeownership Program?

Habitat for Humanity of Kankakee County Homeownership Program is a first mortgage for homebuyers in Kankakee, Illinois, administered by Habitat for Humanity of Kankakee County.

  • Habitat for Humanity of Kankakee County provides affordable homeownership for families in need in Kankakee County, IL. Families are selected based on need, willingness to partner (sweat equity), and ability to repay an affordable 0% interest mortgage.
  • 0% interest affordable mortgage.
  • Homeownership for low-income families.
  • Sweat equity replaces down payment.
  • Funding comes from Habitat for Humanity of Kankakee County private/nonprofit.

Do you have to pay it back?

Habitat for Humanity of Kankakee County Homeownership Program is a first mortgage and is repaid under the terms set by Habitat for Humanity of Kankakee County.

  • Repayment is triggered by Sale, transfer, or refinance.
  • 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 of Kankakee County Homeownership Program is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • On credit: Ability to repay assessed by family selection committee
  • A completed homebuyer education course, through Habitat for Humanity of Kankakee County classes
  • DRAFT (dpa-gap-finder 2026-06-13): pending review. Affiliate website not accessible for full detail extraction. Income limits, sweat equity hours, residency, and current application windows not confirmed from primary source — contact agency. Affiliate active per March 2026 listing.

The program excludes

  • Manufactured homes

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 kind of home can it be used for?

Habitat for Humanity of Kankakee County Homeownership Program caps the purchase price as follows: Homes sold at affordable Habitat price with 0% interest mortgage.

  • Eligible property types include Single Family.
  • New construction is eligible.
  • Manufactured homes are not eligible.

Where does it apply?

Habitat for Humanity of Kankakee County Homeownership Program serves buyers purchasing in Kankakee, Illinois.

How do you apply?

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

  1. Take a homebuyer education course

    Required by the program, through Habitat for Humanity of Kankakee County classes.

  2. Contact Habitat for Humanity of Kankakee County to reserve funds

    Funds are reserved with the provider 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.

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