Habitat for Humanity of Northwest Indiana Homeownership Program

What is Habitat for Humanity of Northwest Indiana Homeownership Program?

Habitat for Humanity of Northwest Indiana Homeownership Program is a first mortgage for homebuyers in Gary, Indiana, administered by Habitat for Humanity of Northwest Indiana.

• Habitat for Humanity of Northwest Indiana (serving Lake County, headquartered in Gary) provides low-income families the opportunity to own a home through sweat equity partnership, volunteer-built construction, and an affordable Habitat-financed mortgage.
• Affordable Habitat-financed mortgage; volunteer-built homes reducing cost; 300 sweat equity hours; minimum 10 homeowner education workshops; ADA-accessible builds available.
• Funding comes from Habitat revolving mortgage fund; Indiana Attainable Homeownership Tax Credits; donations.

Do you have to pay it back?

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

• 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 Northwest Indiana Homeownership Program is open to buyers who will live in the home as their primary residence.

What are the income limits?

Habitat for Humanity of Northwest Indiana Homeownership Program sets its income limit as follows: 2026 HUD income limits for Lake County (Gary MSA): 1-person $35,350-$56,500; 4-person $50,450-$80,700; 8-person $66,600-$106,550. Both minimum and maximum apply.

• 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 Northwest Indiana 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 Northwest Indiana Homeownership Program serves buyers purchasing in Gary, Indiana.

How do you apply?

Applications for Habitat for Humanity of Northwest Indiana Homeownership Program go through Habitat for Humanity of Northwest Indiana, 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 for Humanity of Northwest Indiana - minimum 10 educational workshops required.

2. 2

   Contact Habitat for Humanity of Northwest Indiana 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.