Hernando DeSoto Habitat for Humanity Homeownership Program

What is Hernando DeSoto Habitat for Humanity Homeownership Program?

Hernando DeSoto Habitat for Humanity Homeownership Program is down payment assistance for homebuyers in Hernando, Mississippi, administered by Hernando DeSoto Habitat for Humanity.

• Habitat affiliate serving DeSoto County provides newly constructed homes sold via 0%-interest affordable mortgage. Families selected on need, ability to pay, and willingness to partner including sweat equity. 2026 Family Selection update video posted on website; downloadable application available. Contact for current cycle.
• 0%-interest mortgage; sweat equity; new construction home in DeSoto County.
• Funding comes from Habitat for Humanity affiliate fundraising, donations.

Do you have to pay it back?

Hernando DeSoto Habitat for Humanity Homeownership Program is down payment assistance and is repaid under the terms set by Hernando DeSoto Habitat for Humanity.

• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Hernando DeSoto Habitat for Humanity 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?

Hernando DeSoto Habitat for Humanity Homeownership Program sets its income limit as follows: Must demonstrate level of need; specific AMI % not confirmed on primary website.

• 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.

What kind of home can it be used for?

Hernando DeSoto Habitat for Humanity Homeownership Program caps the purchase price as follows: Habitat-built home; purchase price set by affiliate as affordable 0%-interest mortgage.

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

Where does it apply?

Hernando DeSoto Habitat for Humanity Homeownership Program serves buyers purchasing in Hernando, Mississippi.

How do you apply?

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

1. 1

   Take a homebuyer education course

   Required by the program before funds are reserved.

2. 2

   Contact Hernando DeSoto Habitat for Humanity 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.