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Habitat for Humanity of Greater Cincinnati - Northern Kentucky Homeownership Program

Habitat for Humanity of Greater Cincinnati · Covington, Kentucky

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Income limit

60% AMI

Of area median income; varies by county and household size

What is Habitat for Humanity of Greater Cincinnati - Northern Kentucky Homeownership Program?

Habitat for Humanity of Greater Cincinnati - Northern Kentucky Homeownership Program is a first mortgage for homebuyers in Covington, Kentucky, administered by Habitat for Humanity of Greater Cincinnati.

  • Habitat for Humanity of Greater Cincinnati provides 0% interest affordable mortgages to income-qualified first-time homebuyers in Boone, Campbell, and Kenton Counties (Northern Kentucky). Homebuyers contribute sweat equity, complete homeownership education, and demonstrate need and ability to repay; payments do not exceed 30% of gross household income. In 2025-2026 the affiliate is building income-restricted homes at Pope Leo Village in Covington.
  • 0% interest mortgage.
  • No hard credit-score minimum.
  • Payment capped at 30% of gross income.
  • 200-300 sweat-equity hours.
  • Homeownership education included.

Do you have to pay it back?

Habitat for Humanity of Greater Cincinnati - Northern Kentucky Homeownership Program is a first mortgage and is repaid under the terms set by Habitat for Humanity of Greater Cincinnati.

  • 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?

Habitat for Humanity of Greater Cincinnati - Northern Kentucky 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
  • Citizenship or immigration status: U.S. Citizens or Legal Permanent Residents
  • DRAFT (dpa-gap-finder 2026-06-12): pending review. Must be in substandard/overcrowded/unaffordable housing. No score minimum but credit reviewed; bankruptcy discharged 3+ years; <=$2,000 past-due debt; DTI <=40%. Sweat equity 200 hrs (1 applicant) / 300 hrs (2 applicants). The habitat.org 'Northern Kentucky' affiliate is served by Habitat Greater Cincinnati.

The program excludes

  • Manufactured homes
  • Households above 60% of area median income

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 Greater Cincinnati - Northern Kentucky Homeownership Program limits household income to 60% of the area median income, which varies by county and household size.

  • Household income generally between 30%-60% AMI; dollar limits vary by household size and county. Qualifying income includes wages, child support, alimony, SSA/SSI, retirement.
  • The limit applies to total household income, not only the borrower&rsquo;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 Greater Cincinnati - Northern Kentucky 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 Greater Cincinnati - Northern Kentucky Homeownership Program serves buyers purchasing in Covington, Kentucky.

How do you apply?

Applications for Habitat for Humanity of Greater Cincinnati - Northern Kentucky Homeownership Program go through Habitat for Humanity of Greater Cincinnati, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  2. Contact Habitat for Humanity of Greater Cincinnati 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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