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Salina Habitat for Humanity Homeownership Program

Salina Habitat for Humanity, Inc. · Salina, Kansas

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What is Salina Habitat for Humanity Homeownership Program?

Salina Habitat for Humanity Homeownership Program is a first mortgage for homebuyers in Salina, Kansas, administered by Salina Habitat for Humanity, Inc.

  • Salina Habitat for Humanity provides affordable homeownership in the Salina, KS area through an interest-free mortgage on a Habitat-built home. Families pay the principal over 25 years without interest, are selected based on need for housing, demonstrated ability to pay, and willingness to partner, and complete 350 sweat-equity hours. It is not a giveaway program; families make monthly mortgage payments which fund construction of additional homes.
  • 0% interest mortgage.
  • 25-year term.
  • Below-market home cost.
  • Required homeownership workshops.
  • Equal opportunity housing provider.
  • Funding comes from Habitat for Humanity affiliate (donations, ReStore proceeds, mortgage payments).

Do you have to pay it back?

Salina Habitat for Humanity Homeownership Program is a first mortgage and is repaid under the terms set by Salina Habitat for Humanity, Inc..

  • Repayment is triggered by Monthly mortgage payments over a 25-year 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?

Salina Habitat for Humanity Homeownership Program is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • On credit: Acceptable credit history, including a good record of paying rent and utilities; bankruptcies must have been discharged for two years.
  • A completed homebuyer education course, through Salina Habitat for Humanity required homeownership workshops.
  • Citizenship or immigration status: Applicants must be U.S. citizens or permanent resident aliens.
  • DRAFT (dpa-gap-finder 2026-06-15): pending review. Habitat homeownership (interest-free first mortgage), not a cash DPA. Income 30–60% of Salina area median at application. Two-year stable income/employment. Monthly debt payments cannot exceed 40% of gross monthly income. Acceptable credit; bankruptcies discharged 2+ years. U.S. citizen or permanent resident alien. Cannot qualify for conventional financing and cannot presently own real estate. $300 down payment before closing. 350 total sweat-equity hours (50 training, 150 direct family, 150 extended family/friends). First-time-buyer status not required/unconfirmed.

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?

Salina Habitat for Humanity Homeownership Program sets its income limit as follows: Gross household income must be between 30% and 60% of the median income for the Salina area at time of application.

  • 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?

Salina Habitat for Humanity Homeownership Program caps the purchase price as follows: Home sold at cost; principal paid over 25 years without interest.

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

Where does it apply?

Salina Habitat for Humanity Homeownership Program serves buyers purchasing in Salina, Kansas.

How do you apply?

Applications for Salina Habitat for Humanity Homeownership Program go through Salina Habitat for Humanity, Inc., which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Salina Habitat for Humanity required homeownership workshops..

  2. Contact Salina Habitat for Humanity, Inc. to reserve funds

    Funds are reserved through Periodic application cycles (application meetings typically held in April and October)., 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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