Lawrence Habitat for Humanity Homebuyer Program (Affordable Homeownership)

What is Lawrence Habitat for Humanity Homebuyer Program (Affordable Homeownership)?

Lawrence Habitat for Humanity Homebuyer Program (Affordable Homeownership) is a first mortgage for homebuyers in Lawrence, Kansas, administered by Lawrence Habitat for Humanity.

• Lawrence Habitat for Humanity offers affordable homeownership through an interest-free (0%) mortgage on a Habitat-built home in Douglas County. Homebuyers pay only the cost of construction (labor is donated), with monthly payments (including taxes and insurance) kept below 25% of gross income on a 25–30 year term. Selection is based on need, ability to pay, and willingness to partner, including a minimum of 200 sweat-equity hours per adult.
• 0% interest mortgage.
• Below-market home cost.
• Monthly payment under 25% of gross income.
• Homeowner education classes.
• Homes built to accommodate special needs.
• Funding comes from Habitat for Humanity affiliate (donations, ReStore proceeds, sweat equity).

Do you have to pay it back?

Lawrence Habitat for Humanity Homebuyer Program (Affordable Homeownership) is a first mortgage and is repaid under the terms set by Lawrence Habitat for Humanity.

• Repayment is triggered by Monthly mortgage payments over the loan term.
• The assistance is recorded in First position.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Lawrence Habitat for Humanity Homebuyer Program (Affordable Homeownership) is open to buyers who will live in the home as their primary residence.

What are the income limits?

Lawrence Habitat for Humanity Homebuyer Program (Affordable Homeownership) sets its income limit as follows: Gross household income (before taxes) must be between 30% and 60% of the median income for Douglas County (per published table).

• 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?

Lawrence Habitat for Humanity Homebuyer Program (Affordable Homeownership) caps the purchase price as follows: Home sold at cost based on fair market value and family income; monthly payment (incl. taxes/insurance) kept below 25% of gross income.

• Eligible property types include Single Family.
• New construction is eligible.

Where does it apply?

Lawrence Habitat for Humanity Homebuyer Program (Affordable Homeownership) serves buyers purchasing in Lawrence, Kansas.

How do you apply?

Applications for Lawrence Habitat for Humanity Homebuyer Program (Affordable Homeownership) go through Lawrence Habitat for Humanity, 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 Lawrence Habitat for Humanity homeowner education classes..

2. 2

   Contact Lawrence Habitat for Humanity to reserve funds

   Funds are reserved through Open application window (applications available May 18 – June 15, 2026; informational meetings held)., 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.