Habitat for Humanity of Findlay/Hancock County Homeownership Program

What is Habitat for Humanity of Findlay/Hancock County Homeownership Program?

Habitat for Humanity of Findlay/Hancock County Homeownership Program is a first mortgage for homebuyers in Findlay, Ohio, administered by Habitat for Humanity of Findlay/Hancock County.

• Habitat for Humanity of Findlay/Hancock County partners with income-qualified families to build or rehabilitate a home in Hancock County and sell it with a 0% interest mortgage. Mortgage terms run 20-30 years; monthly payments (incl. taxes/insurance) are normally $450-$600. Families complete 400+ sweat-equity hours and required monthly education classes before closing.
• 0% interest first mortgage.
• Monthly payment normally $450-$600 incl. taxes/insurance.
• 20-30 year term scaled to income.
• Free homeownership/financial education.
• Funding comes from Habitat affiliate (donations, recycled mortgage payments, volunteer labor).

Do you have to pay it back?

Habitat for Humanity of Findlay/Hancock County Homeownership Program is a first mortgage and is repaid under the terms set by Habitat for Humanity of Findlay/Hancock County.

• 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 of Findlay/Hancock County Homeownership Program is open to buyers who will live in the home as their primary residence.

What are the income limits?

Habitat for Humanity of Findlay/Hancock County Homeownership Program sets its income limit as follows: Family gross monthly income between $2,191 and $4,480 (approx. $26,292-$53,760/yr), assessed by household.

• 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 of Findlay/Hancock County Homeownership Program can be used for Single Family.

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

Where does it apply?

Habitat for Humanity of Findlay/Hancock County Homeownership Program serves buyers purchasing in Findlay, Ohio.

How do you apply?

Applications for Habitat for Humanity of Findlay/Hancock County Homeownership Program go through Habitat for Humanity of Findlay/Hancock County, 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 of Findlay/Hancock County (monthly homeownership and financial classes).

2. 2

   Contact Habitat for Humanity of Findlay/Hancock County to reserve funds

   Funds are reserved through Applications accepted only during two six-week windows per year (2026 windows TBA)., 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.