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Habitat for Humanity Mississippi Capital Area Homeownership Program

Habitat for Humanity Mississippi Capital Area · Jackson, Mississippi

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What is Habitat for Humanity Mississippi Capital Area Homeownership Program?

Habitat for Humanity Mississippi Capital Area Homeownership Program is a first mortgage for homebuyers in Jackson, Mississippi, administered by Habitat for Humanity Mississippi Capital Area.

  • Habitat for Humanity Mississippi Capital Area offers an affordable homeownership path for low- to moderate-income individuals and families in Hinds, Madison, and Rankin counties (Jackson metro). Qualified buyers purchase Habitat-built or renovated homes through a 30-year, 0% interest mortgage with monthly payments targeted at $700-$850 (including taxes and insurance). Applicants must demonstrate need for affordable housing, ability to make a $1,000 down payment and monthly payments, and willingness to partner with Habitat by completing required sweat equity hours and homeownership education workshops. Selection is based on need, willingness to partner, and ability to repay.
  • 30-year zero-interest mortgage.
  • Monthly payments of $700-$850 (PITI).
  • $1,000 down payment only.
  • Homeownership education workshops included.
  • New and renovated Habitat homes in Jackson metro.
  • No outside lender qualification required.

Do you have to pay it back?

Habitat for Humanity Mississippi Capital Area Homeownership Program is a first mortgage and is repaid under the terms set by Habitat for Humanity Mississippi Capital Area.

  • Repayment is triggered by Sale or cessation of owner-occupancy.
  • 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?

Habitat for Humanity Mississippi Capital Area 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 stated minimum credit score; good references and history of paying bills required. Clear background check required.
  • A completed homebuyer education course, through Habitat for Humanity Mississippi Capital Area — required workshops on financial management, wills and estate planning, and homeownership skills.
  • DRAFT (dpa-gap-finder 2026-06-13): pending review. Applicants must complete at least 250 hours of sweat equity (working on their own home or volunteering with community partners). Must have good references, a source of income, a clear background check, no excessive debt, and no active liens or judgments. No sex offender registration. Housing application process through HFHMCA Family Services VP; contact homeowners@habitatmca.org for more information. Coverage: Hinds, Madison, and Rankin counties.

The program excludes

  • Manufactured homes

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?

Habitat for Humanity Mississippi Capital Area Homeownership Program sets its income limit as follows: Monthly income range by household size (at time of research): 1 person: $1,600-$4,266; 2 persons: $1,830-$4,753; 3 persons: $2,058-$5,483; 4 persons: $2,283-$6,091; 5 persons: $2,465-$6,579; 6 persons: $2,650-$7,066; 7 persons: $2,835-$7,554; 8 persons: $3,016-$8,041. Minimum income must support all homeownership expenses.

  • 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?

Habitat for Humanity Mississippi Capital Area Homeownership Program caps the purchase price as follows: Monthly mortgage payment (including principal, taxes, and insurance) targeted at $700-$850; specific home prices not published.

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

Where does it apply?

Habitat for Humanity Mississippi Capital Area Homeownership Program serves buyers purchasing in Jackson, Mississippi.

  • The program targets specific areas: Hinds, Madison, and Rankin counties (Jackson metropolitan area).

How do you apply?

Applications for Habitat for Humanity Mississippi Capital Area Homeownership Program go through Habitat for Humanity Mississippi Capital Area, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Habitat for Humanity Mississippi Capital Area — required workshops on financial management, wills and estate planning, and homeownership skills..

  2. Contact Habitat for Humanity Mississippi Capital Area 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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