Habitat for Humanity of Greater Fort Wayne Homeownership Program

Habitat for Humanity of Greater Fort Wayne Homeownership Program is a first mortgage for homebuyers in Fort Wayne, Indiana, administered by Habitat for Humanity of Greater Fort Wayne. Habitat for Humanity of Greater Fort Wayne (serving Allen, Huntington, and Wells Counties) sells Habitat-built homes to qualified low- to moderate-income families through an affordable mortgage with a monthly payment capped at 26% of gross monthly income. ADA-compliant builds available. Affordable Habitat-financed mortgage; monthly payment not to exceed 26% of gross monthly income; new construction homes (1,100-1,400 sq ft, 3-4 bedrooms); ADA-compliant builds; homeownership education. Funding comes from Habitat GFW revolving mortgage fund; City of Fort Wayne; FHLBank Indianapolis; Foellinger Foundation; corporate sponsors.

Habitat for Humanity of Greater Fort Wayne Homeownership Program is a first mortgage and is repaid under the terms set by Habitat for Humanity of Greater Fort Wayne. 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.

Habitat for Humanity of Greater Fort Wayne Homeownership Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time" has exceptions here: Must not have owned a home within the last 2 years. A homebuyer education course is required, through Habitat GFW required homeownership classes (part of sweat equity hours). Residency requirement: Must have lived or worked in Allen County for at least 12 months. Citizenship or immigration status: Equal housing opportunity. Must have lived or worked in Allen County for at least 12 months. Must not be a current homeowner or have owned within last 2 years. Financial need required. Collections/judgments must be resolvable before closing. At least 2 years since bankruptcy discharge or foreclosure. Must save $2,000 for closing costs. Must complete sweat equity and education classes. Background/sex offender checks. $30 application fee. Program takes 18-24 months.

Habitat for Humanity of Greater Fort Wayne Homeownership Program sets its income limit as follows: Allen County 2025-26: 1-person $30,000-$53,300; 4-person $33,000-$76,100; 8-person $55,720-$100,500. Upper limit ~80% AMI; minimum income floor also applies. 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.

Habitat for Humanity of Greater Fort Wayne Homeownership Program can be used for single_family. New construction is eligible. Manufactured homes are not eligible.

Habitat for Humanity of Greater Fort Wayne Homeownership Program serves homebuyers purchasing in Fort Wayne, Indiana.

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