Habitat for Humanity Detroit Homeownership Program

What is Habitat for Humanity Detroit Homeownership Program?

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

• Habitat for Humanity Detroit offers newly built and rehabbed affordable homes in Detroit's Morningside and Berg-Lasher neighborhoods. Partner homebuyers must be first-time buyers at or below 80% of Wayne County AMI, save $2,000 toward down payment, and contribute 150 sweat equity hours. Habitat provides affordable mortgage financing.
• Affordable warrantied homes (new or rehabbed).
• Homebuyer coaching and education.
• Sweat equity builds skills.
• Flexible lender choice.

Do you have to pay it back?

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

• 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 Detroit 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?

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

• Maximum income is 80% of Wayne County AMI. 1-person: $58,700; 2: $67,100; 3: $75,500; 4: $83,850; 5: $90,600; 6: $97,300; 7: $104,000; 8: $110,700.
• 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?

Habitat for Humanity Detroit Homeownership Program can be used for Single Family.

• New construction is eligible.
• Manufactured homes are not eligible.

Where does it apply?

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

How do you apply?

Applications for Habitat for Humanity Detroit Homeownership Program go through Habitat for Humanity Detroit, 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 HFHD HomeEd classes (in-person, Detroit); HUD-approved agencies.

2. 2

   Contact Habitat for Humanity Detroit 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.