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Habitat for Humanity of Knox County Homeownership Program

Habitat for Humanity of Knox County · Galesburg, Illinois

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Income limit

60% AMI

Of area median income; varies by county and household size

What is Habitat for Humanity of Knox County Homeownership Program?

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

  • Habitat for Humanity of Knox County builds new homes in partnership with low-income families in Galesburg and Knox County. Applicants must fall between 30% and 60% AMI and must have lived or worked in Knox County for at least 6 months. Selected families complete 500 sweat equity hours and attend required classes before closing.
  • 0% to low-interest nonprofit mortgage.
  • Affordable monthly payments.
  • New construction home.
  • Financial education classes.
  • Funding comes from Nonprofit — Habitat for Humanity donations and grants.

Do you have to pay it back?

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

  • The assistance is recorded in 1st 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 Knox 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: Credit review conducted; no bankruptcies or foreclosures within past 2 years
  • A completed homebuyer education course, through Habitat for Humanity of Knox County in-house classes
  • Residency: Must have lived or worked in Knox County for at least the past 6 months
  • Citizenship or immigration status: Follows Illinois Human Rights Act; does not discriminate based on immigration status
  • DRAFT (dpa-gap-finder 2026-06-13): pending review. Income 30%-60% AMI. Out of bankruptcy/foreclosure 2+ years. Lived/worked in Knox County 6+ months. 500 sweat equity hours before closing.

The program excludes

  • Manufactured homes
  • Households above 60% of area median income

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 are the income limits?

Habitat for Humanity of Knox County Homeownership Program limits household income to 60% of the area median income, which varies by county and household size.

  • 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?

Habitat for Humanity of Knox County Homeownership Program caps the purchase price as follows: Homes built new by Habitat; price based on construction cost.

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

Where does it apply?

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

How do you apply?

Applications for Habitat for Humanity of Knox County Homeownership Program go through Habitat for Humanity of Knox 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 Knox County in-house classes.

  2. Contact Habitat for Humanity of Knox 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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Habitat for Humanity of Knox County Homeownership Program, explained

A short, free course on Habitat for Humanity of Knox County Homeownership Program: what it is, who it is for, what the program sets and what your lender sets, where it applies and how to apply. Based on program data from August 2026. About ten minutes.

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