Habitat for Humanity of the Northern Flint Hills Homeownership Program

What is Habitat for Humanity of the Northern Flint Hills Homeownership Program?

Habitat for Humanity of the Northern Flint Hills Homeownership Program is a first mortgage for homebuyers in Manhattan, Kansas, administered by Habitat for Humanity of the Northern Flint Hills.

• Habitat for Humanity of the Northern Flint Hills provides affordable homeownership opportunities in Riley, Pottawatomie, and Geary counties (Manhattan area) through new construction, rehabilitation, and neighborhood revitalization. Approved applicants partner with Habitat through sweat equity, homebuyer education, and community service to qualify for an affordable mortgage. The affiliate partners with KHRC to layer the FTHB second mortgage alongside the Habitat mortgage for additional affordability.
• Affordable mortgage on Habitat-built home.
• Zero-interest Habitat mortgage.
• Sweat equity model builds community.
• KHRC FTHB second mortgage layering available.
• Veterans Build program available.
• Funding comes from Habitat for Humanity donations; KHRC FTHB program can be layered as secondary mortgage.

Do you have to pay it back?

Habitat for Humanity of the Northern Flint Hills Homeownership Program is a first mortgage and is repaid under the terms set by Habitat for Humanity of the Northern Flint Hills.

• The assistance is recorded in First mortgage 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 the Northern Flint Hills 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 the Northern Flint Hills Homeownership Program sets its income limit as follows: Must demonstrate steady income within specific income guidelines (chart on affiliate website, not confirmed from primary source). Affordable mortgage payment required.

• 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 the Northern Flint Hills Homeownership Program caps the purchase price as follows: Habitat-built homes; price set to be affordable per income guidelines.

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

Is there eligibility for specific groups?

Habitat for Humanity of the Northern Flint Hills Homeownership Program names veterans among the groups it serves.

• Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

Habitat for Humanity of the Northern Flint Hills Homeownership Program serves buyers purchasing in Manhattan, Kansas.

How do you apply?

Applications for Habitat for Humanity of the Northern Flint Hills Homeownership Program go through Habitat for Humanity of the Northern Flint Hills, 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 Housing and Credit Counseling Inc. (HCCI) at 785-234-0217 or 800-383-0217 (credit counseling required as first step). Homebuyer education required..

2. 2

   Contact Habitat for Humanity of the Northern Flint Hills 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.