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Habitat for Humanity of Cape May County Homeownership Program

Habitat for Humanity of Cape May County · Cape May Court House, New Jersey

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What is Habitat for Humanity of Cape May County Homeownership Program?

Habitat for Humanity of Cape May County Homeownership Program is down payment assistance for homebuyers in Cape May Court House, New Jersey, administered by Habitat for Humanity of Cape May County.

  • Habitat for Humanity of Cape May County builds high-quality, energy-efficient homes with low-income families and sells them at no profit with an affordable mortgage. The program includes homebuyer education classes and a minimum 200 hours of sweat equity. Applications accepted when construction cycles are open (active as of March 2026).
  • No-profit home purchase with affordable income-based mortgage. Minimum 200 sweat equity hours required. Homebuyer education classes included.

Do you have to pay it back?

Habitat for Humanity of Cape May County Homeownership Program is down payment assistance and is repaid under the terms set by Habitat for Humanity of Cape May 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 Cape May 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
  • A completed homebuyer education course
  • Must demonstrate need, ability to pay a Habitat mortgage, and willingness to partner (200+ hours sweat equity). Random lottery among qualified applicants. Must complete homebuyer education classes. If not meeting minimum financial qualifications, referred to HUD-certified housing counselor. Income limits and loan term unconfirmed — contact homeownerservices@habitatcapemay.org.

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 Cape May County Homeownership Program can be used for single_family.

  • New construction is eligible.

Where does it apply?

Habitat for Humanity of Cape May County Homeownership Program serves buyers purchasing in Cape May Court House, New Jersey.

How do you apply?

Applications for Habitat for Humanity of Cape May County Homeownership Program go through Habitat for Humanity of Cape May County, 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 Habitat for Humanity of Cape May 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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