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Habitat for Humanity St. Tammany West – Homeownership Program

Habitat for Humanity St. Tammany West · Mandeville, Louisiana

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Income limit

30% AMI

Of area median income; varies by county and household size

What is Habitat for Humanity St. Tammany West – Homeownership Program?

Habitat for Humanity St. Tammany West – Homeownership Program is a first mortgage for homebuyers in Mandeville, Louisiana, administered by Habitat for Humanity St. Tammany West.

  • Habitat for Humanity St. Tammany West builds and sells energy-efficient homes to qualifying low-income families in western St. Tammany Parish at no profit with a 0% interest mortgage. Homebuyers must invest 300–400 hours of sweat equity and complete homeownership education through the St. Tammany Homeownership Center.
  • 0% interest mortgage.
  • Affordable monthly payments based on income.
  • No profit home sales.
  • 30–60% AMI income eligibility.
  • HUD-approved housing counseling available.
  • Funding comes from Habitat for Humanity International / private donations / FHLB Affordable Housing Program grants.

Do you have to pay it back?

Habitat for Humanity St. Tammany West – Homeownership Program is a first mortgage and is repaid under the terms set by Habitat for Humanity St. Tammany West.

  • 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 St. Tammany West – 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 — with exceptions: Cannot own a home at time of application
  • The home is occupied as a primary residence
  • On credit: Decent credit and history of paying bills on time; no outstanding liens or judgments
  • A completed homebuyer education course, through St. Tammany Homeownership Center (HUD-approved)
  • Residency: Western St. Tammany Parish area (Mandeville/Covington area)
  • DRAFT (dpa-gap-finder 2026-06-13): pending review. Sweat equity: 300 hours single-adult family; 400 hours two-adult family; income 30–60% AMI; application by appointment only; call (985) 893-3172 ext. 246 or email info@habitatstw.org

The program excludes

  • Manufactured homes
  • Households above 30% 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 St. Tammany West – Homeownership Program limits household income to 30% of the area median income, which varies by county and household size.

  • 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?

Habitat for Humanity St. Tammany West – Homeownership Program caps the purchase price as follows: Homes sold at no profit; price set by Habitat STW.

  • Eligible property types include single_family.
  • New construction is eligible.
  • Manufactured homes are not eligible.

Where does it apply?

Habitat for Humanity St. Tammany West – Homeownership Program serves buyers purchasing in Mandeville, Louisiana.

How do you apply?

Applications for Habitat for Humanity St. Tammany West – Homeownership Program go through Habitat for Humanity St. Tammany West, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through St. Tammany Homeownership Center (HUD-approved).

  2. Contact Habitat for Humanity St. Tammany West to reserve funds

    Funds are reserved through Application by appointment; contact St. Tammany Homeownership Center, 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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