Habitat for Humanity of Oakland County Homeownership Program
Habitat for Humanity of Oakland County Homeownership Program is a first mortgage for homebuyers in Pontiac, Michigan, administered by Habitat for Humanity of Oakland County.
The program asks for
- First-time homebuyer — with exceptions: HUD definition of first-time homebuyer applies
- The home is occupied as a primary residence
- On credit: Acceptable credit required; specific score threshold not published
- A completed homebuyer education course, through Habitat University; other HUD-approved providers
- Minimum down payment savings and sweat equity hours required (exact amounts not published; contact agency). Some assistance funds restricted to <=60% AMI. Income limits updated June 2025; subject to change. Veterans Initiative available.
- A home in Oakland County
It doesn’t cover
- Manufactured homes
- Households above 120% of area median income
- Homes outside Oakland County
These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.
Income limit
120% of Oakland County’s area median income
HUD sets the area median income each year. The limit changes with household size, so a family of five has a higher limit than a single homebuyer.
Where it applies
Oakland County’s homesOakland County’s homes, and the ones this program accepts
- 67.7% single-familysingle-family
- 6.5% townhousetownhouse
- 4.5% 2–4 units2–4 units
- 18.4% 5+ unitscondo & apartment buildings (5+ units)
- 2.8% mobile & othermobile home & other
A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.
$343,600
Oakland County median home value
58%
built before 1980
U.S. Census Bureau, ACS 2024 5-year. More about buying in Oakland County
How to apply
How to applyThree steps, in this order
Take a homebuyer education course
Required by the program, through Habitat University; other HUD-approved providers.
Contact Habitat for Humanity of Oakland County to reserve funds
Funds are reserved with the provider and are subject to availability.
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 homebuyer can take it to a lender or housing counselor.
Questions about this program
What is Habitat for Humanity of Oakland County Homeownership Program?
Habitat for Humanity of Oakland County Homeownership Program is a first mortgage for homebuyers in Pontiac, Michigan, administered by Habitat for Humanity of Oakland County. Habitat for Humanity of Oakland County helps families purchase newly built or renovated, energy-efficient affordable homes throughout Oakland County. Eligible households must be first-time buyers with incomes between 30% and 120% of Oakland County AMI, have acceptable credit, and contribute sweat equity. Includes a Veterans Initiative component. Newly built or renovated energy-efficient homes. Income range 30%-120% AMI. Homebuyer coaching via Habitat University. Veterans Initiative available.
Do you have to pay it back?
Habitat for Humanity of Oakland County Homeownership Program is a first mortgage and is repaid under the terms set by Habitat for Humanity of Oakland County. 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 Oakland County 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: HUD definition of first-time homebuyer applies. On credit, the program states: Acceptable credit required; specific score threshold not published. A homebuyer education course is required, through Habitat University; other HUD-approved providers. Minimum down payment savings and sweat equity hours required (exact amounts not published; contact agency). Some assistance funds restricted to <=60% AMI. Income limits updated June 2025; subject to change. Veterans Initiative available.
What are the income limits?
Habitat for Humanity of Oakland County Homeownership Program limits household income to 120% of the area median income, which varies by county and household size. Household income between 30% AMI (min) and 120% AMI (max) for Oakland County. Some bundled DPA funds cap at 60% AMI. The limit applies to total household income, not only the borrower’s. The program lists a maximum household size of 6. 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 Oakland County Homeownership Program can be used for Single Family. New construction is eligible. Manufactured homes are not eligible.
Where does it apply?
Habitat for Humanity of Oakland County Homeownership Program serves homebuyers purchasing in Pontiac, Michigan.
How do you apply?
Applications for Habitat for Humanity of Oakland County Homeownership Program go through Habitat for Humanity of Oakland County, which publishes the current terms and the application steps on its own site. 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.
Also for Oakland County homebuyersOther programs open to Oakland County homebuyers
- Oakland County Treasurer's Independent Bank Home Buyer Assistance ProgramUp to $5,000
- FHLBank Indianapolis Launch Down Payment Assistance (HOP)Up to $20,000
- Nottawaseppi Huron Band of the Potawatomi (NHBP) Down Payment Assistance Program (DPAP)Up to $20,000
Whether two programs can be combined is up to each agency. Ask before you apply.
All 72 programs for Oakland CountyProgram terms are set by Habitat for Humanity of Oakland County and can change; confirm on the official site before you apply.