Harbor Habitat for Humanity Homeownership Program

Harbor Habitat for Humanity Homeownership Program is a first mortgage for homebuyers in Benton Harbor, Michigan, administered by Harbor Habitat for Humanity. Harbor Habitat for Humanity partners with families in Berrien County to build and purchase affordable homes. Qualified buyers (30-80% AMI) make a modest down payment, complete a minimum of 300 sweat equity hours, attend educational workshops, and purchase a newly constructed home with an affordable mortgage starting at 22% of income. Applicants submit an Intake Service Packet to begin. Affordable mortgage starting at 22% of income. Modest down payment. Newly constructed energy-efficient home with appliances. Homeownership education. Funding comes from Private donations; volunteer labor; mortgage payments recycled.

Harbor Habitat for Humanity Homeownership Program is a first mortgage and is repaid under the terms set by Harbor Habitat for Humanity. The assistance is recorded in First position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Harbor Habitat for Humanity Homeownership Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. On credit, the program states: Responsible credit history with only moderate current debt required. A homebuyer education course is required, through Harbor Habitat educational workshops. Residency requirement: Berrien County, MI. Income must fall 30-80% AMI for Berrien County. Minimum 300 sweat equity hours (at least half on construction site if able). Responsible credit history with moderate debt. Submit Intake Service Packet to begin.

Harbor Habitat for Humanity Homeownership Program limits household income to 80% of the area median income, which varies by county and household size. Household income must fall between 30% and 80% of Area Median Income for Berrien County (based on HUD data, updated annually). Monthly mortgage payment starts at 22% of income including taxes and insurance. 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.

Harbor Habitat for Humanity Homeownership Program caps the purchase price as follows: Monthly mortgage payment starting at 22% of income (incl. taxes & insurance). Eligible property types include Single Family. New construction is eligible. Manufactured homes are not eligible.

Harbor Habitat for Humanity Homeownership Program serves homebuyers purchasing in Benton Harbor, Michigan.

Applications for Harbor Habitat for Humanity Homeownership Program go through Harbor Habitat for Humanity, 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.