Battle Creek Area Habitat for Humanity Homeownership Program

What is Battle Creek Area Habitat for Humanity Homeownership Program?

Battle Creek Area Habitat for Humanity Homeownership Program is down payment assistance for homebuyers in Battle Creek, Michigan, administered by Battle Creek Area Habitat for Humanity.

• Battle Creek Area Habitat for Humanity builds and renovates homes in Calhoun County and sells them to income-qualified first-time buyers with an affordable mortgage. Applicants are selected on need, willingness to partner (sweat equity), and ability to pay a Habitat mortgage. Household income must fall within 30%-80% of the area median income for the City of Battle Creek and Calhoun County.
• Affordable Habitat mortgage.
• Newly built or renovated home in Calhoun County.
• Sweat-equity path to homeownership.
• Serves households 30-80% AMI.

Do you have to pay it back?

Battle Creek Area Habitat for Humanity Homeownership Program is down payment assistance and is repaid under the terms set by Battle Creek Area Habitat for Humanity.

• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Battle Creek Area Habitat for Humanity 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?

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

• Total household income within 30%-80% of HUD AMI for the City of Battle Creek and Calhoun County, by 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?

Battle Creek Area Habitat for Humanity Homeownership Program can be used for Single Family.

Where does it apply?

Battle Creek Area Habitat for Humanity Homeownership Program serves buyers purchasing in Battle Creek, Michigan.

How do you apply?

Applications for Battle Creek Area Habitat for Humanity Homeownership Program go through Battle Creek Area Habitat for Humanity, 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 Battle Creek Area Habitat for Humanity / Habitat for Humanity of Michigan.

2. 2

   Contact Battle Creek Area Habitat for Humanity 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.