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Marquette County Habitat for Humanity New Home Construction Homeownership Program

Marquette County Habitat for Humanity · Marquette, Michigan

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Income limit

80% AMI

Of area median income; varies by county and household size

What is Marquette County Habitat for Humanity New Home Construction Homeownership Program?

Marquette County Habitat for Humanity New Home Construction Homeownership Program is a first mortgage for homebuyers in Marquette, Michigan, administered by Marquette County Habitat for Humanity.

  • Marquette County Habitat for Humanity's New Home Construction program builds simple, decent, affordable homes in partnership with working families who could not otherwise purchase a home. Each adult contributes 250 hours of sweat equity, completes homeownership workshops, makes a $1,000 down payment, and purchases the completed home at cost with an affordable, low-interest Habitat mortgage that includes taxes and insurance.
  • Affordable low-interest mortgage.
  • Home purchased at cost.
  • $1,000 down payment (arrangeable).
  • Homeownership workshops.
  • MSHDA income limits up to 80% AMI.
  • Funding comes from Private donations; volunteer labor; mortgage payments recycled.

Do you have to pay it back?

Marquette County Habitat for Humanity New Home Construction Homeownership Program is a first mortgage and is repaid under the terms set by Marquette County 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.

Who qualifies?

Marquette County Habitat for Humanity New Home Construction 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 — the program sets its own definition
  • The home is occupied as a primary residence
  • On credit: No minimum credit score; no outstanding collections, liens or judgments that cannot be paid by home completion; at least 2 years since any bankruptcy.
  • A completed homebuyer education course, through Marquette County Habitat workshops (budgeting, home repair, maintenance)
  • Residency: Must be willing to relocate within Marquette County where build is taking place
  • Citizenship or immigration status: U.S. citizen or permanent resident
  • DRAFT (dpa-gap-finder 2026-06-14): pending review. Sold at cost / no profit (low-interest Habitat mortgage; exact rate not published numerically - left null). Each adult must complete 250 sweat equity hours. $1,000 down payment before closing. At least 2 years since bankruptcy. No outstanding collections/liens/judgments that cannot be cleared by completion. Must be willing to relocate within Marquette County. Operates as a Special Purpose Credit Program.

The program excludes

  • Manufactured homes
  • Households above 80% 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?

Marquette County Habitat for Humanity New Home Construction Homeownership Program limits household income to 80% of the area median income, which varies by county and household size.

  • Total household income from all sources roughly 30-80% of Marquette County median (MSHDA income limits). By household size: 1-person $18,330-$48,880; 2 $20,940-$55,840; 3 $23,550-$62,800; 4 $26,160-$69,760; 5 $28,260-$75,360; 6 $30,360-$80,960.
  • 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?

Marquette County Habitat for Humanity New Home Construction Homeownership Program caps the purchase price as follows: Home purchased at cost; payment includes taxes and insurance.

  • Eligible property types include Single Family.
  • New construction is eligible.
  • Manufactured homes are not eligible.

Where does it apply?

Marquette County Habitat for Humanity New Home Construction Homeownership Program serves buyers purchasing in Marquette, Michigan.

How do you apply?

Applications for Marquette County Habitat for Humanity New Home Construction Homeownership Program go through Marquette County Habitat for Humanity, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Marquette County Habitat workshops (budgeting, home repair, maintenance).

  2. Contact Marquette County Habitat for Humanity 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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