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Habitat for Humanity of St. Joseph County Homeownership Program

Habitat for Humanity of St. Joseph County · Mishawaka, Indiana

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What is Habitat for Humanity of St. Joseph County Homeownership Program?

Habitat for Humanity of St. Joseph County Homeownership Program is a first mortgage for homebuyers in Mishawaka, Indiana, administered by Habitat for Humanity of St. Joseph County.

  • Habitat for Humanity of St. Joseph County (headquartered in Mishawaka) has built over 240 affordable homes in St. Joseph County since 1987. Families invest sweat equity hours, attend homeowner education classes, and purchase through an affordable Habitat mortgage.
  • Affordable Habitat-financed mortgage; new construction homes in St. Joseph County; homeowner education classes; ADA-compliant homes available.
  • Funding comes from Habitat revolving mortgage fund; corporate sponsors; City of Mishawaka; KeyBank Foundation.

Do you have to pay it back?

Habitat for Humanity of St. Joseph County Homeownership Program is a first mortgage and is repaid under the terms set by Habitat for Humanity of St. Joseph 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 St. Joseph County Homeownership Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A completed homebuyer education course, through Habitat for Humanity of St. Joseph County required homeownership classes and monthly partner meetings
  • Citizenship or immigration status: Equal housing opportunity
  • Must not currently own a home. Rent must exceed 30% of gross monthly income OR living in sub-standard housing. No bankruptcy in last 2 years or foreclosure in last 4 years. Must have paid monthly bills on time for past 12 months. Must pay $1,500 toward closing costs, first year insurance, and monthly payments. Background and sex offender checks. $30 credit check fee. Must complete sweat equity and attend classes/monthly meetings. Loan term unconfirmed.

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 are the income limits?

Habitat for Humanity of St. Joseph County Homeownership Program sets its income limit as follows: Income chart based on household size (specific dollar amounts available at Homeownership Meetings). Must meet income requirements for St. Joseph County.

  • The limit applies to total household income, not only the borrower’s.
  • 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 St. Joseph County 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 St. Joseph County Homeownership Program serves buyers purchasing in Mishawaka, Indiana.

How do you apply?

Applications for Habitat for Humanity of St. Joseph County Homeownership Program go through Habitat for Humanity of St. Joseph 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 St. Joseph County required homeownership classes and monthly partner meetings.

  2. Contact Habitat for Humanity of St. Joseph 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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