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Habitat for Humanity of Bergen County Homeownership Program

Habitat for Humanity of Bergen County · Westwood, New Jersey

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What is Habitat for Humanity of Bergen County Homeownership Program?

Habitat for Humanity of Bergen County Homeownership Program is down payment assistance for homebuyers in Westwood, New Jersey, administered by Habitat for Humanity of Bergen County.

  • Habitat for Humanity of Bergen County partners with qualified low-income families to build and buy affordable homes within Bergen County. Habitat constructs quality homes, sells them to partner homebuyers at no profit, and provides affordable, zero-interest financing. Selection is based on need for housing, ability to pay an affordable mortgage, and willingness to partner through sweat equity and financial education.
  • Affordable home sold at no profit with zero-interest (0%) Habitat mortgage; financial education.
  • Funding comes from Habitat for Humanity (donations, volunteers); homeowner mortgage payments fund future builds.

Do you have to pay it back?

Habitat for Humanity of Bergen County Homeownership Program is down payment assistance and is repaid under the terms set by Habitat for Humanity of Bergen County.

  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Habitat for Humanity of Bergen County 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
  • On credit: Subject to credit and background checks
  • A completed homebuyer education course, through Habitat for Humanity of Bergen County (financial education)
  • Residency: Habitat Bergen builds only within Bergen County; applicants need not currently live in Bergen County but homes are in-county
  • Sweat equity and willingness to partner required. UNCONFIRMED: specific income guidelines/limits, sweat-equity hour requirement, home sale prices, application cycle status.

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 kind of home can it be used for?

Habitat for Humanity of Bergen County Homeownership Program can be used for single_family.

  • New construction is eligible.

Where does it apply?

Habitat for Humanity of Bergen County Homeownership Program serves buyers purchasing in Westwood, New Jersey.

  • Targeted neighborhoods: Bergen County.

How do you apply?

Applications for Habitat for Humanity of Bergen County Homeownership Program go through Habitat for Humanity of Bergen County, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Habitat for Humanity of Bergen County (financial education).

  2. Contact Habitat for Humanity of Bergen County 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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