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Habitat for Humanity of Southeast Ohio - Build Your Own Home Program

Habitat for Humanity of Southeast Ohio · Millfield, Ohio

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Income limit

$51,112

The household income limit the program publishes

What is Habitat for Humanity of Southeast Ohio - Build Your Own Home Program?

Habitat for Humanity of Southeast Ohio - Build Your Own Home Program is a first mortgage for homebuyers in Millfield, Ohio, administered by Habitat for Humanity of Southeast Ohio.

  • Habitat for Humanity of Southeast Ohio's Build Your Own Home program enables income-qualified families to build and purchase their own home with a zero-interest Habitat mortgage. Participants complete 250 sweat-equity hours (one adult) or 500 hours (two or more adults), attend educational classes, and make a $2,000 down payment. The program serves Athens, Hocking, Meigs, Morgan, Muskingum (Zanesville), Noble, Perry, and Fairfield counties.
  • Zero-interest mortgage.
  • $2,000 down payment requirement.
  • Homebuyer education included.
  • Sweat-equity builds equity.
  • No conventional credit qualification required.
  • Funding comes from Donations, volunteer labor, grants, and homebuyer mortgage payments.

Do you have to pay it back?

Habitat for Humanity of Southeast Ohio - Build Your Own Home Program is a first mortgage and is repaid under the terms set by Habitat for Humanity of Southeast 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 Southeast Ohio - Build Your Own Home Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • On credit: No published minimum credit score; ability to pay assessed through application interview
  • A completed homebuyer education course, through Habitat for Humanity of Southeast Ohio educational classes (held in Athens County)
  • Residency: Must have lived at least one year in Athens, Fairfield, Hocking, Meigs, Morgan, Muskingum, Noble, Perry, or a surrounding county without a Habitat affiliate
  • DRAFT (dpa-gap-finder 2026-06-14): pending review. Inquiry form is the first step (not an application). As of source page, no pre-inquiries accepted for Fairfield County, but all other counties (including Muskingum/Zanesville and Athens) remain open. Required: 250/500 sweat-equity hours, educational classes, one-year residency. min_credit_score, max_dti, max_purchase_price, forgiveness terms not published and left null.

The program excludes

  • Manufactured homes
  • Households above $51,112

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 Southeast Ohio - Build Your Own Home Program limits household income to $51,112.

  • 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 Southeast Ohio - Build Your Own Home Program can be used for Single Family.

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

Where does it apply?

Habitat for Humanity of Southeast Ohio - Build Your Own Home Program serves buyers purchasing in Millfield, Ohio.

How do you apply?

Applications for Habitat for Humanity of Southeast Ohio - Build Your Own Home Program go through Habitat for Humanity of Southeast 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 Southeast Ohio educational classes (held in Athens County).

  2. Contact Habitat for Humanity of Southeast 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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