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Pemi-Valley Habitat for Humanity Homeownership Program

Pemi-Valley Habitat for Humanity · Plymouth, New Hampshire

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Income limit

80% AMI

Of area median income; varies by county and household size

What is Pemi-Valley Habitat for Humanity Homeownership Program?

Pemi-Valley Habitat for Humanity Homeownership Program is down payment assistance for homebuyers in Plymouth, New Hampshire, administered by Pemi-Valley Habitat for Humanity.

  • Pemi-Valley Habitat for Humanity builds safe, energy-efficient, affordable homes that qualified families purchase with an affordable mortgage, serving 27 towns in the Pemi-Valley and Lakes Region. (There is no NH affiliate named 'Greater Plymouth Area Habitat'; the Plymouth, NH affiliate is Pemi-Valley.).
  • Affordable mortgage on a Habitat-built home.
  • Financial & homeownership training.
  • Funding comes from Pemi-Valley Habitat for Humanity (donations, volunteer labor); mortgage through a local bank or credit union.

Do you have to pay it back?

Pemi-Valley Habitat for Humanity Homeownership Program is down payment assistance and is repaid under the terms set by Pemi-Valley 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?

Pemi-Valley Habitat for Humanity Homeownership Program is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • A completed homebuyer education course, through Pemi-Valley Habitat for Humanity (financial & homeownership training)
  • Residency: Service area of 27 towns in/around the Pemi-Valley and Lakes Region (>=1 yr residency per affiliate guidance).
  • DRAFT (dpa-gap-finder 2026-06-15): pending review. LOAN TERM: affordable mortgage through a local bank or credit union (rate/term not stated). Sweat equity: single head 200 hrs (>=75 on-site); two heads 400 hrs (>=150 on-site). Must show housing need and ability to pay. GAP: lien position, recapture, exact term/rate, max purchase price, HUD AMI $ figures not stated.

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?

Pemi-Valley Habitat for Humanity Homeownership Program limits household income to 80% of the area median income, which varies by county and household size.

  • Homeowners must earn 30-80% of HUD median household income levels, adjusted for household size.
  • 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?

Pemi-Valley Habitat for Humanity Homeownership Program can be used for Single Family.

  • New construction is eligible.

Where does it apply?

Pemi-Valley Habitat for Humanity Homeownership Program serves buyers purchasing in Plymouth, New Hampshire.

How do you apply?

Applications for Pemi-Valley Habitat for Humanity Homeownership Program go through Pemi-Valley 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, through Pemi-Valley Habitat for Humanity (financial & homeownership training).

  2. Contact Pemi-Valley 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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