Habitat for Humanity Capital Region Homeownership Program

Habitat for Humanity Capital Region Homeownership Program is down payment assistance for homebuyers in Lansing, Michigan, administered by Habitat for Humanity Capital Region. Habitat for Humanity Capital Region builds and rehabilitates homes in Clinton, Eaton, and Ingham counties and sells them to qualified first-time homebuyer families through an affordable mortgage whose payment (including taxes and insurance) will not exceed 30% of monthly income. Applicants must demonstrate housing need, fall within published income ranges by household size, complete 150-250 sweat-equity hours and homebuyer education, and receive post-purchase support. Affordable mortgage (PITI capped at 30% of income). Energy-efficient, accessible home. Homebuyer and financial education. Post-purchase support. Funding comes from Habitat for Humanity Capital Region (donations, grants, sweat equity).

Habitat for Humanity Capital Region Homeownership Program is down payment assistance and is repaid under the terms set by Habitat for Humanity Capital Region. Repayment is triggered by Affordable Habitat mortgage with payment (incl. taxes/insurance) capped at 30% of monthly income; resale/affordability restrictions per Habitat policy. The assistance is recorded in First (Habitat mortgage) position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Habitat for Humanity Capital Region Homeownership Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time" has exceptions here: Program is for people who do not currently own a home (does not state a 3-year look-back). A homebuyer education course is required, through Habitat Capital Region homebuyer education classes; financial education training. Residency requirement: Serves Clinton, Eaton, and Ingham counties, MI. Habitat sweat-equity homeownership (below-market mortgage), assistance_type=other. Distinct from City of Lansing / East Lansing / Ingham County DPA programs already tracked.

Habitat for Humanity Capital Region Homeownership Program limits household income to $82,080. 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.

Habitat for Humanity Capital Region Homeownership Program can be used for Single Family. New construction is eligible. Manufactured homes are not eligible.

Habitat for Humanity Capital Region Homeownership Program serves homebuyers purchasing in Lansing, Michigan.

Applications for Habitat for Humanity Capital Region Homeownership Program go through Habitat for Humanity Capital Region, which publishes the current terms and the application steps on its own site. Funds are reserved through Orientation/information session then application and selection. 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.