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Habitat for Humanity of Knox County - Homeownership Program

Habitat for Humanity of Knox County, Ohio · Mount Vernon, Ohio

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Income limit

80% AMI

Of area median income; varies by county and household size

What is Habitat for Humanity of Knox County - Homeownership Program?

Habitat for Humanity of Knox County - Homeownership Program is a first mortgage for homebuyers in Mount Vernon, Ohio, administered by Habitat for Humanity of Knox County, Ohio.

  • Habitat for Humanity of Knox County's Homeownership Program helps Knox County families purchase a newly built home with a zero-percent or low-interest mortgage. Applicants must fall within 30%-80% of HUD Area Median Income, carry a debt-to-income ratio below 41%, demonstrate housing need, and partner with Habitat through sweat-equity hours and homeowner education classes.
  • Zero or low-interest mortgage.
  • Newly constructed homes.
  • Homeowner education included.
  • Land Bank partnership lowers cost.
  • Sweat-equity builds equity.
  • Funding comes from Donations, volunteer labor, grants, Knox County Land Bank partnership, and homebuyer mortgage payments.

Do you have to pay it back?

Habitat for Humanity of Knox County - Homeownership Program is a first mortgage and is repaid under the terms set by Habitat for Humanity of Knox County, 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 of Knox 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: No published minimum credit score; ability to pay assessed individually
  • A completed homebuyer education course, through Habitat for Humanity of Knox County homeowner education classes
  • DRAFT (dpa-gap-finder 2026-06-14): pending review. TIMING: Applications accepted during an annual open period (most recently Sept 1-30, 2025); the window is typically closed outside that period - contact the affiliate for the next cycle. DTI must be below 41%. Income 30-80% AMI by family size (specific dollar figures not published). Credit score minimum, purchase price, first-time-buyer status not published and left null.

The program excludes

  • Manufactured homes
  • 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?

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

  • Applicants must fall within 30%-80% of Area Median Income (AMI) for their family size, as set by HUD. Specific dollar amounts not published on the public program page.
  • 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 Knox 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 Knox County - Homeownership Program serves buyers purchasing in Mount Vernon, Ohio.

How do you apply?

Applications for Habitat for Humanity of Knox County - Homeownership Program go through Habitat for Humanity of Knox County, Ohio, 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 Knox County homeowner education classes.

  2. Contact Habitat for Humanity of Knox County, Ohio 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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