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Hardin County Habitat for Humanity Homeownership Program

Hardin County Habitat for Humanity, Inc. · Elizabethtown, Kentucky

Last verified
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Repayment

Deferred

No payments until the home is sold or refinanced

What is Hardin County Habitat for Humanity Homeownership Program?

Hardin County Habitat for Humanity Homeownership Program is a silent second mortgage for homebuyers in Elizabethtown, Kentucky, administered by Hardin County Habitat for Humanity, Inc.

  • Hardin County Habitat for Humanity builds simple, decent, affordable homes and sells them to qualified low-income partner families with a 25-year, 0% interest mortgage. Applicants complete sweat-equity hours (500 for families, 250 for individuals), attend financial literacy classes, and pay closing costs.
  • 0% interest 25-year mortgage on a newly built home.
  • Deferred subsidy via below-market sale.
  • Financial literacy education.
  • Sweat equity in lieu of down payment.
  • Funding comes from Revolving Fund for Humanity, donations, sponsors, ReStore proceeds.

Do you have to pay it back?

Hardin County Habitat for Humanity Homeownership Program is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off.

  • 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?

Hardin County Habitat for Humanity 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
  • On credit: No numeric minimum; must owe under ~$3,000 total debt, no bankruptcy in last 18 months, pays rent on time, stable income 12 months
  • A completed homebuyer education course, through Hardin County Habitat for Humanity (financial literacy classes)
  • Residency: Must be a resident/citizen of Hardin County
  • Citizenship or immigration status: Proof of U.S. citizenship or legal residency required
  • DRAFT (dpa-gap-finder 2026-06-14): pending review. Pre-screening application + non-refundable fee; 500 sweat-equity hours (250 if single); financial literacy classes; debt must not increase while in program. 'Lincoln Trail/Elizabethtown' affiliate = this organization.

The program excludes

  • Manufactured homes

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?

Hardin County Habitat for Humanity Homeownership Program sets its income limit as follows: Income must fall within 30-60% of area median income (Habitat income guidelines; dollar table published as image).

  • 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?

Hardin County Habitat for Humanity Homeownership Program can be used for Single Family.

  • New construction is eligible.
  • Manufactured homes are not eligible.

Where does it apply?

Hardin County Habitat for Humanity Homeownership Program serves buyers purchasing in Elizabethtown, Kentucky.

How do you apply?

Applications for Hardin County Habitat for Humanity Homeownership Program go through Hardin County 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 Hardin County Habitat for Humanity (financial literacy classes).

  2. Contact Hardin County Habitat for Humanity, Inc. to reserve funds

    Funds are reserved through Annual application window / waitlist signup, 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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