Habitat for Humanity of Greater Fort Wayne Homeownership Program

What is 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.

Do you have to pay it back?

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.

Who qualifies?

Habitat for Humanity of Greater Fort Wayne 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?

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.

What kind of home can it be used for?

Habitat for Humanity of Greater Fort Wayne Homeownership Program can be used for single_family.

• New construction is eligible.
• Manufactured homes are not eligible.

Where does it apply?

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

How do you apply?

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.

1. 1

   Take a homebuyer education course

   Required by the program, through Habitat GFW required homeownership classes (part of sweat equity hours).

2. 2

   Contact Habitat for Humanity of Greater Fort Wayne to reserve funds

   Funds are reserved with the provider 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.