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Saginaw-Shiawassee Habitat for Humanity Homeownership Program

Saginaw-Shiawassee Habitat for Humanity · Saginaw, Michigan

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Income limit

80% AMI

Of area median income; varies by county and household size

What is Saginaw-Shiawassee Habitat for Humanity Homeownership Program?

Saginaw-Shiawassee Habitat for Humanity Homeownership Program is down payment assistance for homebuyers in Saginaw, Michigan, administered by Saginaw-Shiawassee Habitat for Humanity.

  • Saginaw-Shiawassee Habitat for Humanity helps income-qualified, first-time homebuyer families move from substandard housing into newly built or renovated, energy-efficient homes purchased with an affordable Habitat mortgage capped at 30% of gross monthly income. Applicants must live or work in Saginaw or Shiawassee County, earn between roughly 30% and 80% of AMI, complete 250 sweat-equity hours per adult and homebuyer education, and make a down payment before closing.
  • Affordable Habitat mortgage (payment capped at 30% of income).
  • Below-market, energy-efficient home.
  • Homebuyer education and financial coaching.
  • Funding comes from Saginaw-Shiawassee Habitat for Humanity (donations, grants, sweat equity).

Do you have to pay it back?

Saginaw-Shiawassee Habitat for Humanity Homeownership Program is down payment assistance and is repaid under the terms set by Saginaw-Shiawassee Habitat for Humanity.

  • Repayment is triggered by Affordable Habitat mortgage with payment capped at 30% of gross monthly income at closing; resale/affordability restrictions per Habitat policy.
  • The assistance is recorded in First (Habitat mortgage) position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Saginaw-Shiawassee Habitat for Humanity 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 perfect credit required; applicants must show ability to make regular payments. Collections, past-due accounts, judgments, or liens must be addressed; negative items will result in denial unless resolved.
  • A completed homebuyer education course, through Saginaw-Shiawassee Habitat for Humanity classes (evening/weekend/online); financial coaching
  • Residency: Must live or work in Saginaw or Shiawassee County.
  • Citizenship or immigration status: U.S. citizenship, permanent residency status, or eligible immigration status.
  • DRAFT (dpa-gap-finder 2026-06-13): pending review. Habitat sweat-equity homeownership (below-market mortgage), assistance_type=other. Income table captured from the official page (page displays both a current and a prior-year table; most recent used — VERIFY current-year figures). GAP NOTES: no cash DPA amount, mortgage term, min credit score (qualitative only), DTI, or down payment dollar amount published; 2-year bankruptcy wait applies; provider phone from affiliate listing, verify.

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?

Saginaw-Shiawassee Habitat for Humanity Homeownership Program limits household income to 80% of the area median income, which varies by county and household size.

  • Qualifying income minimums and maximums are 30%-80% of AMI for Saginaw and Shiawassee County, by family size (updated annually). Min/Max annual income: 1: $14,681.25/$39,150; 2: $16,781.25/$44,750; 3: $18,881.25/$50,350; 4: $20,962.50/$55,900; 5: $22,650/$60,400; 6: $24,318.75/$64,850; 7: $26,006.25/$69,350; 8: $27,675/$73,800.
  • 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?

Saginaw-Shiawassee Habitat for Humanity Homeownership Program can be used for Single Family.

  • New construction is eligible.
  • Manufactured homes are not eligible.

Where does it apply?

Saginaw-Shiawassee Habitat for Humanity Homeownership Program serves buyers purchasing in Saginaw, Michigan.

How do you apply?

Applications for Saginaw-Shiawassee Habitat for Humanity Homeownership Program go through Saginaw-Shiawassee 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 Saginaw-Shiawassee Habitat for Humanity classes (evening/weekend/online); financial coaching.

  2. Contact Saginaw-Shiawassee Habitat for Humanity to reserve funds

    Funds are reserved through Application-meeting based selection by family selection committee., 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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