Show-Me Central Habitat for Humanity Homeownership Program

Show-Me Central Habitat for Humanity Homeownership Program is a first mortgage for homebuyers in Columbia, Missouri, administered by Show-Me Central Habitat for Humanity. Show-Me Central Habitat for Humanity partners with low-income families in the Columbia / mid-Missouri area to build or renovate and purchase affordable homes financed with a zero-percent-interest mortgage. Applicants typically earn 30-60% of Boone County median income, contribute sweat equity, and complete homeowner education. Zero-percent-interest mortgage. Affordable homeownership at 30-60% AMI. Sweat-equity path. Homeowner education and support. Funding comes from Habitat for Humanity (donations, volunteer labor, ReStore proceeds).

Show-Me Central Habitat for Humanity Homeownership Program is a first mortgage and is repaid under the terms set by Show-Me Central Habitat for Humanity. Repayment is triggered by Affordable zero-percent-interest mortgage repaid monthly; Habitat typically retains resale/recapture protections. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Show-Me Central Habitat for Humanity Homeownership Program is open to homebuyers who will live in the home as their primary residence. On credit, the program states: Credit score generally above 600 (no credit history may also be acceptable). A homebuyer education course is required, through Habitat homeowner education and application help sessions. Citizenship or immigration status: Must be a legal U.S. citizen or permanent resident. $25 application processing fee; in-person application at the Columbia office; sweat-equity hours required; minimum credit score around 600. Confirm current application window with the affiliate.

Show-Me Central Habitat for Humanity Homeownership Program limits household income to 60% of the area median income, which varies by county and household size. Applicants generally must earn 30-60% of Boone County median income; selection based on need, ability to pay, and willingness to partner. 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.

Show-Me Central Habitat for Humanity Homeownership Program can be used for Single Family. New construction is eligible.

Show-Me Central Habitat for Humanity Homeownership Program serves homebuyers purchasing in Columbia, Missouri. The program targets specific areas: Boone County and surrounding mid-Missouri service area.

Applications for Show-Me Central Habitat for Humanity Homeownership Program go through Show-Me Central 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.