Habitat for Humanity East Central Ohio Homeownership Program

What is Habitat for Humanity East Central Ohio Homeownership Program?

Habitat for Humanity East Central Ohio Homeownership Program is a first mortgage for homebuyers in Canton, Ohio, administered by Habitat for Humanity East Central Ohio.

• Habitat for Humanity East Central Ohio (serving Stark, Carroll, Tuscarawas, Harrison, and Jefferson counties) partners with low-to-moderate-income families to build or renovate homes sold to the partner family with an affordable 0% interest mortgage. Qualification rests on need for housing, steady income within guidelines, and willingness to partner via sweat equity. Online application is open year-round (with a $20 fee); Tuscarawas County applications are not currently being processed.
• Affordable 0% interest first mortgage.
• Sweat-equity and homeownership education.
• Financial literacy and home-maintenance training.
• Mortgage repayments recycled to future homes.
• Funding comes from Habitat affiliate (donations, recycled mortgage payments, volunteer labor).

Do you have to pay it back?

Habitat for Humanity East Central Ohio Homeownership Program is a first mortgage and is repaid under the terms set by Habitat for Humanity East Central Ohio.

• The assistance is recorded in First position.
• 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 East Central Ohio Homeownership Program is open to buyers who will live in the home as their primary residence.

What are the income limits?

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

• Annual pre-tax income within guidelines by household size and county. Stark/Carroll 4p $33,000-$90,400; 1p $19,000-$63,280; 6p $44,360-$104,864. Updated annually.
• 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?

Habitat for Humanity East Central Ohio Homeownership Program can be used for Single Family.

• New construction is eligible.
• Manufactured homes are not eligible.

Where does it apply?

Habitat for Humanity East Central Ohio Homeownership Program serves buyers purchasing in Canton, Ohio.

How do you apply?

Applications for Habitat for Humanity East Central Ohio Homeownership Program go through Habitat for Humanity East Central Ohio, which publishes the current terms and the application steps on its own site.

1. 1

   Take a homebuyer education course

   Required by the program, through Habitat for Humanity East Central Ohio (financial literacy, home maintenance, personal development).

2. 2

   Contact Habitat for Humanity East Central Ohio to reserve funds

   Funds are reserved through Online application open year-round (apply.habitateco.org); supporting docs due within one month., and are subject to availability.

3. 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.