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.

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.

Hernando DeSoto Habitat for Humanity Homeownership Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. On credit, the program states: Not published; must demonstrate ability to repay affordable mortgage. A homebuyer education course is required. Application and instructions downloadable at desotohabitat.org. 2026 Family Selection update available as virtual video on website. Sweat equity hours required; specific count not published. Contact hdhabitatforhumanity@gmail.com or 901-262-8465.

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.

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.

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

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. 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.