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Habitat for Humanity of Greater Centre County Homeownership Program

Habitat for Humanity of Greater Centre County · Bellefonte, Pennsylvania

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Income limit

80% AMI

Of area median income; varies by county and household size

What is Habitat for Humanity of Greater Centre County Homeownership Program?

Habitat for Humanity of Greater Centre County Homeownership Program is down payment assistance for homebuyers in Bellefonte, Pennsylvania, administered by Habitat for Humanity of Greater Centre County.

  • Since 1983, Habitat for Humanity of Greater Centre County has helped families invest in affordable homeownership through no-profit, no-interest loans. Homebuyers complete sweat-equity hours and homeownership education, then purchase their home and maintain payments. Eligibility is based on income within published HUD-based guidelines, credit/debt criteria, Centre County residency or employment, and willingness to partner.
  • 0% interest mortgage.
  • No-profit loan.
  • No waiting list.
  • Homeownership and financial education.
  • Funding comes from Donations; sponsorships; ReStore proceeds; private/corporate/faith-community donors.

Do you have to pay it back?

Habitat for Humanity of Greater Centre County Homeownership Program is down payment assistance and is repaid under the terms set by Habitat for Humanity of Greater Centre 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 Greater Centre 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: Tri-merge credit reviewed; no minimum FICO published; medical bills excluded unless judgment; bankruptcy must be 4 years past discharge; total past-due non-medical debts cannot exceed $2,000
  • A completed homebuyer education course
  • Residency: U.S. citizen or permanent legal resident who has lived or worked in Centre County for the past year; willing to live where HFHGCC builds
  • Citizenship or immigration status: U.S. citizen or permanent legal resident
  • DRAFT (dpa-gap-finder 2026-06-14): pending review. Application cycle CURRENTLY OPEN (confirmed on official site). Not rolling - applications distributed around information sessions. Monthly DTI < 41%, annual debt-to-income < 15%. Sweat equity ~350 hours. Income guideline base year footnoted on the official page; applicants should confirm current-year figures with the affiliate.

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

  • Annual household income (Centre County HUD median): 2p $28,400-$56,800; 3p $31,950-$63,900; 4p $35,475-$70,950; 5p $38,325-$76,650; 6p $41,175-$82,350; 7p $44,000-$88,000.
  • The limit applies to total household income, not only the borrower&rsquo;s.
  • The program lists a maximum household size of 7.
  • 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 Greater Centre County Homeownership Program can be used for Single Family.

  • New construction is eligible.

Where does it apply?

Habitat for Humanity of Greater Centre County Homeownership Program serves buyers purchasing in Bellefonte, Pennsylvania.

How do you apply?

Applications for Habitat for Humanity of Greater Centre County Homeownership Program go through Habitat for Humanity of Greater Centre 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 Greater Centre 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.

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