Kalamazoo Valley Habitat for Humanity Homeownership Program

Kalamazoo Valley Habitat for Humanity Homeownership Program is a first mortgage for homebuyers in Kalamazoo, Michigan, administered by Kalamazoo Valley Habitat for Humanity. Kalamazoo Valley Habitat for Humanity's Homeownership Program builds and rehabilitates affordable homes and sells them to qualified partner families using an affordable (0% interest) Habitat mortgage. Applicants must demonstrate a housing need, ability to pay an affordable mortgage, and willingness to partner with Habitat (sweat-equity hours and homebuyer education). Applications open once a year in January. Affordable 0% interest Habitat mortgage. Newly built or rehabilitated home. Homebuyer education and financial readiness support. Low ($1,000) down payment requirement. Funding comes from Kalamazoo Valley Habitat for Humanity; community partners (Kalamazoo Community Foundation, Kalamazoo County, PNC Bank, Old National, Mercantile Bank, Consumers Energy, etc.).

Kalamazoo Valley Habitat for Humanity Homeownership Program is a first mortgage and is repaid under the terms set by Kalamazoo Valley Habitat for Humanity. Repayment is triggered by Affordable Habitat mortgage repaid over loan term; sale/transfer terms governed by Habitat mortgage and any silent second. 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.

Kalamazoo Valley 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" has exceptions here: May not have owned a home within the last three years (exceptions may be made for mobile homes). On credit, the program states: No published minimum credit score; applicant must have a steady, reliable payment history (including rent) and $2,000 or less in past-due/collections debt and not be in active bankruptcy. A homebuyer education course is required, through Habitat sweat-equity/partnership program requirements including required volunteer (sweat-equity) hours and homebuyer education. Residency requirement: Must live in Kalamazoo County, or in Otsego, Otsego Township, Plainwell, or Gun Plain Township in Allegan County. Application window is annual (most recently January 1-31); program currently between application cycles but funded and operating. Eligible service area is Kalamazoo County plus Otsego, Otsego Township, Plainwell, and Gun Plain Township in Allegan County. Requires sweat-equity volunteer hours, reliable transportation and internet, no active bankruptcy, and $2,000 or less in past-due/collections debt. Full multi-size income table and selection criteria are in the linked 2025 Homebuyer Selection Criteria PDF; precise income bands by household size were not fully legible on the live page and are left null.

Kalamazoo Valley Habitat for Humanity Homeownership Program sets its income limit as follows: Household income must meet Habitat program requirements (income bands published annually based on HUD figures). The published 1-person band for the affiliate's income table shows $19,260-$38,520; full multi-size table not legible on the live page. 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.

Kalamazoo Valley Habitat for Humanity Homeownership Program can be used for Single Family and Manufactured. New construction is eligible. Manufactured homes are eligible.

Kalamazoo Valley Habitat for Humanity Homeownership Program serves homebuyers purchasing in Kalamazoo, Michigan. The program targets specific areas: Kalamazoo County plus Otsego, Otsego Township, Plainwell, and Gun Plain Township in Allegan County.

Applications for Kalamazoo Valley Habitat for Humanity Homeownership Program go through Kalamazoo Valley Habitat for Humanity, which publishes the current terms and the application steps on its own site. Funds are reserved through Annual application cycle; applications open once per year in January (most recent window January 1-31). 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.