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Upper Valley Habitat for Humanity Homeownership Program

Upper Valley Habitat for Humanity · Lebanon, New Hampshire

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Income limit

80% AMI

Of area median income; varies by county and household size

What is Upper Valley Habitat for Humanity Homeownership Program?

Upper Valley Habitat for Humanity Homeownership Program is down payment assistance for homebuyers in Lebanon, New Hampshire, administered by Upper Valley Habitat for Humanity.

  • Upper Valley Habitat for Humanity partners with low-income families to build homes alongside volunteers and the future homeowner. Upon completion the homebuyer receives an affordable, zero-interest fixed mortgage. The affiliate works with Windham & Windsor Housing Trust for financial education and to help families qualify for the lowest possible rates.
  • Zero-interest fixed mortgage.
  • Affordable homeownership for families unable to access conventional financing.
  • Financial & homeownership education support.
  • Funding comes from Upper Valley Habitat for Humanity (donations, volunteer labor); mortgage financing partnership with Windham & Windsor Housing Trust.

Do you have to pay it back?

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

Upper 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 Upper Valley Habitat for Humanity / Windham & Windsor Housing Trust
  • Residency: Must be an Upper Valley resident for at least one year prior to applying
  • DRAFT (dpa-gap-finder 2026-06-15): pending review. LOAN TERM: zero-interest (0%) fixed mortgage on a Habitat-built home; term not stated on source. Sweat-equity hours required incl. financial/homeownership education classes. Must demonstrate housing need, be unable to access conventional financing, and have verifiable income (>=1 yr at current employer). $1,000 down payment once approved. GAP: forgiveness years, lien position, recapture, exact term, max purchase price, HUD AMI $ figures not stated on official source.

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?

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

  • Total family income must be between 50% and 80% of HUD County Median Family Income, adjusted for family size, for the community/county the applicant will move into.
  • 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?

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

  • New construction is eligible.

Where does it apply?

Upper Valley Habitat for Humanity Homeownership Program serves buyers purchasing in Lebanon, New Hampshire.

How do you apply?

Applications for Upper Valley Habitat for Humanity Homeownership Program go through Upper 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 Upper Valley Habitat for Humanity / Windham & Windsor Housing Trust.

  2. Contact Upper 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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