Habitat for Humanity of York County (ME) Homeownership Program

Habitat for Humanity of York County (ME) Homeownership Program is down payment assistance for homebuyers in Kennebunk, Maine, administered by Habitat for Humanity of York County (Maine). Habitat for Humanity of York County (Maine) partners with families to build affordable homes. Applicants must live or work in York County for >=1 year, fall within build-specific income guidelines, complete 200-400 hours of sweat equity, have a need for safe affordable housing, have >=$2,000 in savings, and a 660+ credit score. Homebuyers pay ~29% of gross income toward the monthly mortgage. Affordable Habitat-built home. Modest monthly mortgage (~29% of gross income). Equity building. Funding comes from Habitat for Humanity (donations, volunteer labor).

Habitat for Humanity of York County (ME) Homeownership Program is down payment assistance and is repaid under the terms set by Habitat for Humanity of York County (Maine). Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Habitat for Humanity of York County (ME) Homeownership Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. The program lists a minimum credit score of 660. A homebuyer education course is required, through Habitat Financial Capability Workshop / required homebuyer education courses. Residency requirement: Must live or work in York County, Maine for at least one year. Sweat equity 200-400 hours. Multi-phase application with home visit and board review. Application periods open only when homes available (next: September, Island Ave Sanford). Required homebuyer education + financial literacy. Not a stackable DP grant. NOTE: official site lists DTI inconsistently (12% vs 14%) so max_dti left blank. GAP: loan term/rate, lien, recapture, HUD AMI year not stated.

Habitat for Humanity of York County (ME) Homeownership Program sets its income limit as follows: Income guidelines by household size, set per build. Spring 2026 Island Ave (min/max): 1=$50,000/$59,850;2=$51,300/$68,400;3=$57,712/$76,950;4=$64,125/$85,500;5=$69,262/$92,350;6=$74,400/$99,200. Subject to change per build. 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.

Habitat for Humanity of York County (ME) Homeownership Program caps the purchase price as follows: Habitat homebuyers pay ~29% of gross income in monthly mortgage payment. Eligible property types include Single Family. New construction is eligible.

Habitat for Humanity of York County (ME) Homeownership Program serves homebuyers purchasing in Kennebunk, Maine. The program targets specific areas: York County, Maine; current build at Island Ave, Sanford, ME.

Applications for Habitat for Humanity of York County (ME) Homeownership Program go through Habitat for Humanity of York County (Maine), 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.