Maumee Valley Habitat for Humanity Homeownership Program

Maumee Valley Habitat for Humanity Homeownership Program is a first mortgage for homebuyers in Toledo, Ohio, administered by Maumee Valley Habitat for Humanity. Maumee Valley Habitat for Humanity sells newly built or rehabbed homes in Lucas County to income-qualified buyers who purchase with a 0% interest mortgage rather than cash down payment assistance. Affordability comes from the no-interest first mortgage and sweat equity in lieu of a traditional down payment. Mortgage terms run 15-30 years; typical monthly payments (incl. taxes/insurance) are roughly $450-$600. 0% interest first mortgage. No traditional down payment (sweat equity). Monthly payment ~$450-$600 incl. taxes/insurance. Homebuyer/financial education. Funding comes from Habitat affiliate (donations, recycled mortgage payments).

Maumee Valley Habitat for Humanity Homeownership Program is a first mortgage and is repaid under the terms set by Maumee Valley Habitat for Humanity. 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.

Maumee Valley Habitat for Humanity Homeownership Program is open to homebuyers who will live in the home as their primary residence. On credit, the program states: No credit score pulled; credit history reviewed. Debt under 43% of income; collections under $5,000; no liens/judgments; no bankruptcy within 2 years. A homebuyer education course is required, through Maumee Valley Habitat for Humanity (monthly homeownership and financial classes). Residency requirement: Must occupy a Habitat home in Lucas County (primarily Toledo and Washington Local districts; occasionally Oregon/Holland).

Maumee Valley Habitat for Humanity Homeownership Program limits household income to 80% of the area median income, which varies by county and household size. Household income 30-80% of Lucas County AMI. 2025 (6/25) 80% limits: 1p $53,100; 4p $75,850; 5p $81,950. 30% minimums also apply. 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.

Maumee Valley Habitat for Humanity Homeownership Program can be used for Single Family. New construction is eligible. Manufactured homes are not eligible.

Maumee Valley Habitat for Humanity Homeownership Program serves homebuyers purchasing in Toledo, Ohio.

Applications for Maumee Valley Habitat for Humanity Homeownership Program go through Maumee Valley Habitat for Humanity, which publishes the current terms and the application steps on its own site. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.