Habitat for Humanity of Craven County Homeownership Program (SHLP)
First mortgage · Income limits
Down payment assistance · Craven County
Buying a home in Havelock, NC
1 county program and 6 statewide.Havelock has no program of its own, 1 across Craven County, and 6 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
Find my programs Free · No credit pull · 90 seconds
What’s local to Havelock
No program of Havelock’s own yet
No program run for Havelock alone is listed. A home in Havelock can use Craven County’s programs below, plus the North Carolina statewide and federal ones.
The closest city that runs its own program is Jacksonville, about 31 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in CravenAnywhere in Craven County
1 county program1 county program a Havelock homebuyer can use
The Havelock marketThe Havelock housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Havelock
- 57.1% single-familysingle-family
- 23.4% townhousetownhouse
- 9.6% 2–4 units2–4 units
- 6.3% 5+ unitscondo & apartment buildings (5+ units)
- 3.7% mobile & othermobile home & other
About condos. Havelock’s one local program does not list condos as eligible. Habitat for Humanity of Craven County Homeownership Program (SHLP) lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Havelock’s homes were built
pre-19401970s2020+
34.5%
of Havelock homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$87,000
County area median income, 4 people (HUD)HUD area median income, Craven County, 4-person household (2026)
$58,408
Havelock median household incomeMedian household income in Havelock (Census, 2024)
13 of the 69 programs here set their income limit as a share of Craven County’s area median income, adjusted for household size. See the published limits for Craven County
Free help nearbyFree help near Havelock
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Havelock’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Habitat for Humanity of Craven County Homeownership Program (SHLP) asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across North Carolina and nationwide
68 statewide & federal programs6 statewide programs, plus federal options
Havelock questions
Does Havelock have its own down payment program?
No program run for Havelock alone is listed. A home in Havelock can use the 1 program that cover Craven County and the 6 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Havelock?
Havelock’s one local program does not list condos as eligible. Habitat for Humanity of Craven County Homeownership Program (SHLP) lists single_family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Craven County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Craven County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Havelock?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
28532
Nearby in Craven
Sources
Sources: agency sites (July–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.