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Haywood Habitat for Humanity Homeownership Program (SHLP)

Haywood Habitat for Humanity · Waynesville, North Carolina

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Assistance

$50,000

The maximum the program publishes — not an offer

Income limit

80% AMI

Of area median income; varies by county and household size

What is Haywood Habitat for Humanity Homeownership Program (SHLP)?

Haywood Habitat for Humanity Homeownership Program (SHLP) is a first mortgage for homebuyers in Waynesville, North Carolina, administered by Haywood Habitat for Humanity.

  • This is a federal program, so it is available beyond a single state or city.
  • Funding comes from NCHFA Self-Help Loan Pool (SHLP).

How much assistance does it provide?

Haywood Habitat for Humanity Homeownership Program (SHLP) offers up to $50,000 in assistance.

  • Amounts are the program's published maximums, not an offer — Haywood Habitat for Humanity determines any individual award.

Do you have to pay it back?

Haywood Habitat for Humanity Homeownership Program (SHLP) is a first mortgage and is repaid under the terms set by Haywood 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?

Haywood Habitat for Humanity Homeownership Program (SHLP) sets its eligibility rules through Haywood Habitat for Humanity, and does not restrict applicants to first-time buyers.

The program requires

  • A completed homebuyer education course
  • Buyer must participate in construction or rehab of their home (sweat equity). NCHFA SHLP provides shared 0% amortizing mortgage (20-30 yr, up to $50K). Must complete homebuyer education + 2 hrs one-on-one counseling. Contact: 828-558-2145, PO Box 283, Waynesville NC 28786.

The program excludes

  • Households above 80% of area median income

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?

Haywood Habitat for Humanity Homeownership Program (SHLP) limits household income to 80% of the area median income, which varies by county and household size.

  • Household income at or below 80% of Area Median Income.
  • 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?

Haywood Habitat for Humanity Homeownership Program (SHLP) can be used for single_family.

Where does it apply?

Haywood Habitat for Humanity Homeownership Program (SHLP) is a federal program, so it is not limited to North Carolina.

How do you apply?

Applications for Haywood Habitat for Humanity Homeownership Program (SHLP) go through Haywood Habitat for Humanity, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  2. Contact Haywood Habitat for Humanity 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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Haywood Habitat for Humanity Homeownership Program (SHLP), explained

A short, free course on Haywood Habitat for Humanity Homeownership Program (SHLP): what it is, who it is for, what the program sets and what your lender sets, where it applies and how to apply. Based on program data from July 2026. About ten minutes.

5 modules · About 10 minutes

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