Habitat for Humanity of the Mississippi Gulf Coast Homeownership Program

What is Habitat for Humanity of the Mississippi Gulf Coast Homeownership Program?

Habitat for Humanity of the Mississippi Gulf Coast Homeownership Program is a first mortgage for homebuyers in Gulfport, Mississippi, administered by Habitat for Humanity of the Mississippi Gulf Coast.

• Habitat for Humanity of the Mississippi Gulf Coast provides affordable homeownership in Harrison, Jackson, and Stone counties through its Homeownership Program and Home Direct fast-track option. Income-qualified buyers (up to 120% AMI) receive individualized coaching, free homebuyer education, help sourcing down payment assistance and closing cost resources, and access to Habitat's in-house mortgage product. The Home Direct program is designed for buyers ready to purchase within 90 days and includes closing cost assistance when available. Habitat can also build on a buyer's own land.
• In-house mortgage product available.
• Closing cost assistance often available.
• Free homebuyer education and one-on-one coaching.
• Home Direct fast-track option for purchase-ready buyers.
• Can build on buyer's own land.
• Income up to 120% AMI eligible.

Do you have to pay it back?

Habitat for Humanity of the Mississippi Gulf Coast Homeownership Program is a first mortgage and is repaid under the terms set by Habitat for Humanity of the Mississippi Gulf Coast.

• 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 of the Mississippi Gulf Coast Homeownership Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

What are the income limits?

Habitat for Humanity of the Mississippi Gulf Coast Homeownership Program limits household income to 120% of the area median income, which varies by county and household size.

• Household income up to 120% of area median income (AMI) for the property's location (effective May 18, 2026, per FY26 HUD income limits). Some partner DPA programs may have a lower 80% AMI cap. Minimum income must be sufficient to 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 of the Mississippi Gulf Coast Homeownership Program caps the purchase price as follows: Not published; Habitat homes are priced to be affordable to income-qualified buyers in the service area.

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

Where does it apply?

Habitat for Humanity of the Mississippi Gulf Coast Homeownership Program serves buyers purchasing in Gulfport, Mississippi.

• The program targets specific areas: Harrison, Jackson, and Stone counties (Mississippi Gulf Coast).

How do you apply?

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

1. 1

   Take a homebuyer education course

   Required by the program, through Habitat for Humanity of the Mississippi Gulf Coast — free group homeownership education classes; one-on-one coaching..

2. 2

   Contact Habitat for Humanity of the Mississippi Gulf Coast to reserve funds

   Funds are reserved with the provider and are subject to availability.

3. 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.