Habitat for Humanity Susquehanna Homeownership Program

What is Habitat for Humanity Susquehanna Homeownership Program?

Habitat for Humanity Susquehanna Homeownership Program is a first mortgage for homebuyers in Harford|Cecil County, Maryland, administered by Habitat for Humanity, Susquehanna.

• Habitat for Humanity Susquehanna builds and renovates affordable homes for low-to-moderate-income first-time homebuyers in Harford and Cecil Counties. Approved applicants purchase with a 30-year zero-interest mortgage structured so the monthly payment does not exceed 30% of gross monthly income. Applicants must complete at least 250 sweat-equity hours (500 for two-applicant households) including financial education.
• 30-year zero-interest mortgage capped at 30% of gross income.
• Free financial education workshops.
• Home maintenance class.
• No prior construction experience needed.
• Active 2026 build.
• Funding comes from Charitable donations, ReStore sales, grants.

Do you have to pay it back?

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

• Repayment is triggered by 30-year amortizing mortgage; payments fund future Habitat builds.
• The assistance is recorded in 1st 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 Susquehanna Homeownership Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

What are the income limits?

Habitat for Humanity Susquehanna Homeownership Program limits household income to 80% of the area median income, which varies by county and household size.

• Minimum $40,000/year; effective 6/15/2025 — Cecil County 4-person max $95,500; Harford County 4-person max $104,200.
• The limit applies to total household income, not only the borrower’s.
• The program lists a maximum household size of 8.
• 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 Susquehanna Homeownership Program can be used for Single Family.

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

Is there eligibility for specific groups?

Habitat for Humanity Susquehanna Homeownership Program names buyers with disabilities among the groups it serves.

• Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

Habitat for Humanity Susquehanna Homeownership Program serves buyers purchasing in Harford|Cecil County, Maryland.

• The program targets specific areas: Cecil County and Harford County, Maryland only.

How do you apply?

Applications for Habitat for Humanity Susquehanna Homeownership Program go through Habitat for Humanity, Susquehanna, 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 APG Federal Credit Union in partnership with Habitat Susquehanna (free workshops at Bel Air Home Loan Center).

2. 2

   Contact Habitat for Humanity, Susquehanna to reserve funds

   Funds are reserved with the provider 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.