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.

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.

Habitat for Humanity of the Northern Flint Hills Homeownership Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. On credit, the program states: Not specified; HCCI credit counseling required as prerequisite. A homebuyer education course is required, through Housing and Credit Counseling Inc. (HCCI) at 785-234-0217 or 800-383-0217 (credit counseling required as first step). Homebuyer education required. Residency requirement: Must live or work in Riley County, Pottawatomie County, or Geary County. Must contact HCCI first for credit counseling before contacting Habitat for pre-qualification. Eligible_veteran set true because affiliate is a Veterans Build Affiliate. Specific income limit chart referenced on website but exact figures not confirmed from primary source — contact affiliate directly. Application (updated 2026) available for download.

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.

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.

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.

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

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. 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.