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Quincy Area Habitat for Humanity Homeownership Program

Quincy Area Habitat for Humanity · Quincy, Illinois

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What is Quincy Area Habitat for Humanity Homeownership Program?

Quincy Area Habitat for Humanity Homeownership Program is a first mortgage for homebuyers in Quincy, Illinois, administered by Quincy Area Habitat for Humanity.

  • Quincy Area Habitat for Humanity partners with low-income families in Quincy and Adams County to build or renovate affordable homes and provide no-interest, no-profit 25-year mortgages. Partner Families complete 150 sweat equity hours per adult and take the Dave Ramsey course at no charge.
  • 0% interest 25-year mortgage.
  • $500 minimum down payment.
  • Free Dave Ramsey course.
  • 150 sweat equity hours per adult.
  • Funding comes from Nonprofit — Habitat for Humanity donations and grants.

Do you have to pay it back?

Quincy Area Habitat for Humanity Homeownership Program is a first mortgage and is repaid under the terms set by Quincy Area Habitat for Humanity.

  • 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?

Quincy Area Habitat for Humanity 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: Must have been out of bankruptcy 2+ years and reestablished credit; safe DTI
  • A completed homebuyer education course, through Dave Ramsey Financial Planning course provided at no charge
  • Residency: Must reside in or near Quincy and Adams County area
  • DRAFT (dpa-gap-finder 2026-06-13): pending review. Must be unable to qualify for traditional bank mortgage. Save $500 + first year insurance. Out of bankruptcy 2+ years. Income limits not published — contact agency.

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?

Quincy Area Habitat for Humanity Homeownership Program caps the purchase price as follows: Homes built or renovated by Habitat; payment set at affordable level.

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

Where does it apply?

Quincy Area Habitat for Humanity Homeownership Program serves buyers purchasing in Quincy, Illinois.

How do you apply?

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

  1. Take a homebuyer education course

    Required by the program, through Dave Ramsey Financial Planning course provided at no charge.

  2. Contact Quincy Area Habitat for Humanity 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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Quincy Area Habitat for Humanity Homeownership Program, explained

A short, free course on Quincy Area Habitat for Humanity 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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