Patuxent Habitat for Humanity Homeownership Program

Patuxent Habitat for Humanity Homeownership Program is a first mortgage for homebuyers in Calvert|St. Mary's County, Maryland, administered by Patuxent Habitat for Humanity. Patuxent Habitat for Humanity builds affordable homes in Calvert and St. Mary's Counties in Southern Maryland for families earning 30%-50% of local area median income. Homebuyers receive a 30-year low-interest mortgage averaging $650-$750 per month including escrow, with payments not exceeding 30% of gross monthly income, after completing 250 sweat-equity hours. 30-year low-interest mortgage. Average monthly payment $650-$750 incl. taxes and insurance. No prior construction experience required. Disability sweat-equity accommodations. Serves Southern Maryland. Funding comes from Charitable donations, ReStore sales, volunteers.

Patuxent Habitat for Humanity Homeownership Program is a first mortgage and is repaid under the terms set by Patuxent Habitat for Humanity. Repayment is triggered by 30-year mortgage; payments recycled to 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.

Patuxent Habitat for Humanity Homeownership Program is open to homebuyers who will live in the home as their primary residence. Residency requirement: Must be a resident of Calvert or St. Mary's County for at least 1 year prior to application. Citizenship or immigration status: US citizen or permanent resident. 250 sweat equity hours; income 30-50% of area median income; 1-year county residency; all bad debt must be resolved before purchase; credit counseling referral provided. Interest rate not published online.

Patuxent Habitat for Humanity Homeownership Program limits household income to 50% of the area median income, which varies by county and household size. Household income between 30%-50% of area median income for Calvert and St. Mary's Counties. 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.

Patuxent Habitat for Humanity Homeownership Program caps the purchase price as follows: Habitat builds in Calvert and St. Mary's only; build cost approximately $150,000-$190,000. Eligible property types include Single Family. New construction is eligible. Manufactured homes are not eligible.

Patuxent Habitat for Humanity Homeownership Program names homebuyers 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.

Patuxent Habitat for Humanity Homeownership Program serves homebuyers purchasing in Calvert|St. Mary's County, Maryland. The program targets specific areas: Calvert County and St. Mary's County, Maryland only.

Applications for Patuxent Habitat for Humanity Homeownership Program go through Patuxent Habitat for Humanity, which publishes the current terms and the application steps on its own site. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.