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Habitat for Humanity of Huron Valley Home Ownership Program

Habitat for Humanity of Huron Valley · Ann Arbor, Michigan

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Income limit

80% AMI

Of area median income; varies by county and household size

What is Habitat for Humanity of Huron Valley Home Ownership Program?

Habitat for Humanity of Huron Valley Home Ownership Program is down payment assistance for homebuyers in Ann Arbor, Michigan, administered by Habitat for Humanity of Huron Valley.

  • Habitat for Humanity of Huron Valley sells newly renovated, energy-efficient homes in Washtenaw County to income-qualified first-time buyers and finances them with an affordable Habitat mortgage. Applicants are selected on housing need, willingness to partner, and ability to pay, and must contribute 250 sweat-equity hours per adult plus complete required homeowner education. Household income must fall between 30% and 80% of Washtenaw County AMI.
  • Affordable Habitat-held mortgage.
  • Newly renovated energy-efficient home.
  • Required education and financial coaching.
  • Path to homeownership for 30-80% AMI households.

Do you have to pay it back?

Habitat for Humanity of Huron Valley Home Ownership Program is down payment assistance and is repaid under the terms set by Habitat for Humanity of Huron Valley.

  • Repayment is triggered by Affordable Habitat mortgage held by the affiliate; standard owner-occupancy resale terms apply.
  • The assistance is recorded in First mortgage (Habitat-held) position.
  • 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 of Huron Valley Home Ownership Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — with exceptions: Must not currently own a home or be on a mortgage
  • The home is occupied as a primary residence
  • On credit: No perfect credit required; must show ability to make regular payments. Collections/past-due/judgments/liens must be resolved; unresolved negatives are denied. 2+ years since any bankruptcy discharge.
  • A completed homebuyer education course, through Habitat for Humanity of Huron Valley (Legal Orientation, Home Maintenance, Pre-Purchase Education, 9-week/18-hour Financial Management Training)
  • Residency: Must live or work in Washtenaw County
  • Citizenship or immigration status: U.S. citizenship, permanent residency, or eligible immigration status
  • DRAFT (dpa-gap-finder 2026-06-14): pending review. Sweat-equity homeownership model (not a cash DPA): 250 sweat-equity hours per adult over 21. Must live or work in Washtenaw County, not currently own a home, and be 2+ years past any bankruptcy. Down payment required before closing. Background check, rental history, income/asset verification, and home visit required. Income min/max set annually by family size; published guideline table was last dated 2018-19 at review.

The program excludes

  • Households above 80% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Habitat for Humanity of Huron Valley Home Ownership Program limits household income to 80% of the area median income, which varies by county and household size.

  • Qualifying household income 30%-80% of Washtenaw County AMI (HUD-based), with annual min/max thresholds by family 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?

Habitat for Humanity of Huron Valley Home Ownership Program can be used for Single Family.

Where does it apply?

Habitat for Humanity of Huron Valley Home Ownership Program serves buyers purchasing in Ann Arbor, Michigan.

How do you apply?

Applications for Habitat for Humanity of Huron Valley Home Ownership Program go through Habitat for Humanity of Huron Valley, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Habitat for Humanity of Huron Valley (Legal Orientation, Home Maintenance, Pre-Purchase Education, 9-week/18-hour Financial Management Training).

  2. Contact Habitat for Humanity of Huron Valley to reserve funds

    Funds are reserved with the provider and are subject to availability.

  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.

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