Greater Jackson Habitat for Humanity Homeownership Program

What is Greater Jackson Habitat for Humanity Homeownership Program?

Greater Jackson Habitat for Humanity Homeownership Program is a first mortgage for homebuyers in Jackson, Michigan, administered by Greater Jackson Habitat for Humanity.

• Greater Jackson Habitat for Humanity partners with low-to-moderate-income families pursuing homeownership. Eligible families purchase a newly constructed or renovated home with an affordable Habitat mortgage capped at 30% of gross income. Selection is based on need, ability to pay, and willingness to partner. Open year-round with no restricted enrollment dates; intake via online form.
• Affordable mortgage capped at 30% of income.
• Open year-round enrollment.
• Newly built or renovated home.
• Homeownership classes and financial education.
• Funding comes from Private donations; capital campaign; mortgage payments recycled.

Do you have to pay it back?

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

• The assistance is recorded in First position.
• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Greater Jackson 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?

Greater Jackson Habitat for Humanity Homeownership Program limits household income to $61,350.

• 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?

Greater Jackson Habitat for Humanity Homeownership Program caps the purchase price as follows: Affordable mortgage no more than 30% of gross income (incl. taxes & insurance).

• Eligible property types include Single Family.
• New construction is eligible.
• Manufactured homes are not eligible.

Where does it apply?

Greater Jackson Habitat for Humanity Homeownership Program serves buyers purchasing in Jackson, Michigan.

How do you apply?

Applications for Greater Jackson Habitat for Humanity Homeownership Program go through Greater Jackson 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 Greater Jackson Habitat for Humanity classes.

2. 2

   Contact Greater Jackson 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.