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Henderson County & Thermal Belt Habitat for Humanity Homeownership Program (SHLP)

Henderson County & Thermal Belt Habitat for Humanity · Hendersonville, North Carolina

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See what you qualify forOfficial program site →
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 Henderson County & Thermal Belt Habitat for Humanity Homeownership Program (SHLP)?

Henderson County & Thermal Belt Habitat for Humanity Homeownership Program (SHLP) is a first mortgage for homebuyers in Hendersonville, North Carolina, administered by Henderson County & Thermal Belt 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?

Henderson County & Thermal Belt Habitat for Humanity Homeownership Program (SHLP) offers up to $50,000 in assistance.

  • Amounts are the program's published maximums, not an offer — Henderson County & Thermal Belt Habitat for Humanity determines any individual award.

Do you have to pay it back?

Henderson County & Thermal Belt Habitat for Humanity Homeownership Program (SHLP) is a first mortgage and is repaid under the terms set by Henderson County & Thermal Belt 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?

Henderson County & Thermal Belt Habitat for Humanity Homeownership Program (SHLP) sets its eligibility rules through Henderson County & Thermal Belt 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. Serves Henderson and Polk counties. Contact: 828-694-0340, 1111 Keith St, Hendersonville NC 28792.

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?

Henderson County & Thermal Belt 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?

Henderson County & Thermal Belt Habitat for Humanity Homeownership Program (SHLP) can be used for single_family.

Where does it apply?

Henderson County & Thermal Belt Habitat for Humanity Homeownership Program (SHLP) is a federal program, so it is not limited to North Carolina.

How do you apply?

Applications for Henderson County & Thermal Belt Habitat for Humanity Homeownership Program (SHLP) go through Henderson County & Thermal Belt 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 Henderson County & Thermal Belt 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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