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Habitat for Humanity of Oakland County Homeownership Program

Habitat for Humanity of Oakland County · Pontiac, Michigan

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Income limit

120% AMI

Of area median income; varies by county and household size

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 buyers who will live in the home as their primary residence.

The program requires

  • 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
  • DRAFT (dpa-gap-finder 2026-06-12): pending review. 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.

The program excludes

  • Manufactured homes
  • Households above 120% 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 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&rsquo;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 buyers 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.

  1. Take a homebuyer education course

    Required by the program, through Habitat University; other HUD-approved providers.

  2. Contact Habitat for Humanity of Oakland County 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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