Habitat for Humanity of Waldo County (ME) Homeownership Program
Habitat for Humanity of Waldo County (ME) Homeownership Program is down payment assistance for homebuyers in Belfast, Maine, administered by Habitat for Humanity of Waldo County.
The program asks for
- The home is occupied as a primary residence
- Residency: Low-income residents of Waldo County
- Sweat equity required (hundreds of hours; specific count not published). 0% interest mortgage; buyer pays mortgage, real estate taxes, insurance. GAP: credit score, DTI, dollar income limits, education requirement, loan term, lien, recapture not published on official affiliate site.
- A home in Waldo County
It doesn’t cover
- Households above 80% of area median income
- Homes outside Waldo County
These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.
Income limit
80% of Waldo County’s area median income
HUD sets the area median income each year. The limit changes with household size, so a family of five has a higher limit than a single homebuyer.
Where it applies
Waldo County’s homesWaldo County’s homes, and the ones this program accepts
- 75% single-familysingle-family
- 2.5% townhousetownhouse
- 5% 2–4 units2–4 units
- 4.5% 5+ unitscondo & apartment buildings (5+ units)
- 13.1% mobile & othermobile home & other
A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.
$257,700
Waldo County median home value
46.9%
built before 1980
U.S. Census Bureau, ACS 2024 5-year. More about buying in Waldo County
How to apply
How to applyTwo steps, in this order
Contact Habitat for Humanity of Waldo County to reserve funds
Funds are reserved with the provider and are subject to availability.
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 homebuyer can take it to a lender or housing counselor.
Questions about this program
What is Habitat for Humanity of Waldo County (ME) Homeownership Program?
Habitat for Humanity of Waldo County (ME) Homeownership Program is down payment assistance for homebuyers in Belfast, Maine, administered by Habitat for Humanity of Waldo County. Habitat for Humanity of Waldo County builds affordable homeownership in partnership with low-income Waldo County residents. The affiliate periodically seeks a partner family who needs safe, energy-efficient housing, can pay a 0% interest mortgage plus taxes and insurance, and will partner via sweat equity. As of March 2026 it was searching for its next partner family. Affordable, energy-efficient Habitat-built home. 0% interest mortgage. Funding comes from Habitat for Humanity (donations, volunteer labor).
Do you have to pay it back?
Habitat for Humanity of Waldo County (ME) Homeownership Program is down payment assistance and is repaid under the terms set by Habitat for Humanity of Waldo County. 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 Waldo County (ME) Homeownership Program is open to homebuyers who will live in the home as their primary residence. Residency requirement: Low-income residents of Waldo County. Sweat equity required (hundreds of hours; specific count not published). 0% interest mortgage; buyer pays mortgage, real estate taxes, insurance. GAP: credit score, DTI, dollar income limits, education requirement, loan term, lien, recapture not published on official affiliate site.
What are the income limits?
Habitat for Humanity of Waldo County (ME) Homeownership Program limits household income to 80% of the area median income, which varies by county and household size. Partners with residents whose income falls between 30% and 80% of county median income. Specific dollar limits not published on the official affiliate site. 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 Waldo County (ME) Homeownership Program can be used for Single Family. New construction is eligible.
Where does it apply?
Habitat for Humanity of Waldo County (ME) Homeownership Program serves homebuyers purchasing in Belfast, Maine. The program targets specific areas: Waldo County, ME.
How do you apply?
Applications for Habitat for Humanity of Waldo County (ME) Homeownership Program go through Habitat for Humanity of Waldo County, 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.
Also for Waldo County homebuyersOther programs open to Waldo County homebuyers
- FHLBank Boston Lift Up Homeownership - MaineUp to $40,000
- FHLBank Boston Housing Our Workforce (HOW) - MaineUp to $25,000
- Multi-Unit Advantage Down Payment & Closing Cost AssistanceUp to $14,000
Whether two programs can be combined is up to each agency. Ask before you apply.
All 75 programs for Waldo CountyProgram terms are set by Habitat for Humanity of Waldo County and can change; confirm on the official site before you apply.