hey prescott.
See what you qualify for

Habitat for Humanity of Beaver County Homeownership Program

Habitat for Humanity of Beaver County · Beaver Falls, Pennsylvania

Last verified
See what you qualify forOfficial program site →
Income limit

80% AMI

Of area median income; varies by county and household size

What is Habitat for Humanity of Beaver County Homeownership Program?

Habitat for Humanity of Beaver County Homeownership Program is down payment assistance for homebuyers in Beaver Falls, Pennsylvania, administered by Habitat for Humanity of Beaver County.

  • Habitat for Humanity of Beaver County partners with local moderate-income families to build or rehab a home purchased with an affordable, no-interest, 30-year mortgage. Future homeowners contribute sweat equity and complete financial-literacy and home-maintenance workshops. Eligibility is based on housing need, income within HUD guidelines (40-80% range), willingness to partner, and Beaver County residency or employment.
  • 0% interest mortgage.
  • 30-year term.
  • Financial literacy and home maintenance education.
  • Built/rehabbed with volunteers.
  • Funding comes from Donations; Beaver County Board of Commissioners; PA DCED; private/corporate donors.

Do you have to pay it back?

Habitat for Humanity of Beaver County Homeownership Program is down payment assistance and is repaid under the terms set by Habitat for Humanity of Beaver County.

  • 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 Beaver County Homeownership 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: Minimum credit score 560; credit need not be perfect
  • A completed homebuyer education course
  • Residency: Must currently live and/or work in Beaver County
  • DRAFT (dpa-gap-finder 2026-06-14): pending review. As of verification the application period is CLOSED ('not accepting applications at this time'); affiliate active, applications accepted only during announced open cycles - email info@BeaverCountyHabitat.org to be notified. DTI must be 43% or less. Unconfirmed: max household size, exact sweat-equity hours.

The program excludes

  • 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 Beaver County Homeownership Program limits household income to 80% of the area median income, which varies by county and household size.

  • 2026 HUD Beaver County limits by household size; e.g. 4-person must earn at least $55,200 and no more than $88,300. Income from any reliable ongoing source counts.
  • 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 Beaver County Homeownership Program can be used for Single Family.

  • New construction is eligible.

Where does it apply?

Habitat for Humanity of Beaver County Homeownership Program serves buyers purchasing in Beaver Falls, Pennsylvania.

How do you apply?

Applications for Habitat for Humanity of Beaver County Homeownership Program go through Habitat for Humanity of Beaver County, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  2. Contact Habitat for Humanity of Beaver County 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.

90-second match

Not sure which you qualify for?

Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.

Find my programs