hey prescott.
See what you qualify for

Habitat for Humanity of Kent County Homeownership Program

Habitat for Humanity of Kent County · Grand Rapids, Michigan

Last verified
See what you qualify forOfficial program site →
Income limit

$112,600

The household income limit the program publishes

What is Habitat for Humanity of Kent County Homeownership Program?

Habitat for Humanity of Kent County Homeownership Program is down payment assistance for homebuyers in Grand Rapids, Michigan, administered by Habitat for Humanity of Kent County.

  • Habitat for Humanity of Kent County's Homeownership Program helps qualifying lower-income households in Kent County, MI buy an affordable home (typically a new-build, Energy Star, all-electric Habitat home) with a mortgage they can afford. Habitat provides coaching, homebuyer education, and counseling. Buyers obtain a first mortgage from a bank/lender (Habitat partner lenders available or any lender), and the home is sold at a price set within a range based on income so the housing payment is approximately 35% of gross monthly income. Homes are sold with an Affordability Covenant Deed Restriction.
  • Payment capped at ~35% of gross income.
  • new, energy-efficient homes.
  • homebuyer education and one-on-one counseling.
  • access to partner lenders.
  • Funding comes from Habitat for Humanity of Kent County (donations, ReStore proceeds, grants); buyer financed via third-party first mortgage.

Do you have to pay it back?

Habitat for Humanity of Kent County Homeownership Program is down payment assistance and is repaid under the terms set by Habitat for Humanity of Kent County.

  • Repayment is triggered by Sale or transfer (affordability covenant deed restriction governs resale).
  • 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 Kent County Homeownership Program is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • On credit: Credit score of 640 or higher, or willing to improve.
  • A completed homebuyer education course, through Habitat Kent homebuyer classes (Introduction to Homeownership, Info Session, Money Smart); one-on-one counseling.
  • Citizenship or immigration status: U.S. Citizen or Permanent Resident.
  • DRAFT (dpa-gap-finder 2026-06-12): pending review. Selection by family selection committee (need, willingness to partner, ability to repay). Minimum household income $45,000; credit score 640+ or willingness to improve; U.S. citizen or permanent resident. Current Habitat Kent model uses a third-party first mortgage plus an affordability covenant (assistance_type=other) rather than a Habitat-held mortgage. Sweat-equity not explicitly stated on the current page (gap). Distinct from the City of Grand Rapids HAF. Special-population flags false (open to all qualifying applicants). Unconfirmed/null: max DTI, lien position, max purchase price, HUD AMI year.

The program excludes

  • Households above $112,600

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 Kent County Homeownership Program limits household income to $112,600.

  • 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 of Kent County Homeownership Program caps the purchase price as follows: No published maximum; sale price set within a range based on buyer income to yield an affordable payment (~35% of gross). Example listing $164,000-$231,700.

  • Eligible property types include Single Family, Condo, and Townhouse.
  • New construction is eligible.

Where does it apply?

Habitat for Humanity of Kent County Homeownership Program serves buyers purchasing in Grand Rapids, Michigan.

How do you apply?

Applications for Habitat for Humanity of Kent County Homeownership Program go through Habitat for Humanity of Kent 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 Kent homebuyer classes (Introduction to Homeownership, Info Session, Money Smart); one-on-one counseling..

  2. Contact Habitat for Humanity of Kent County to reserve funds

    Funds are reserved through Online Homeownership Program Intake Form; staff follow up with next steps., 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.

Other programs in Grand Rapids, Michigan

See every program in Grand Rapids, Michigan →

90-second match

Not sure which you qualify for?

Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.

Find my programs