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Habitat for Humanity of Montgomery & Delaware Counties Home Purchase Program

Habitat for Humanity of Montgomery and Delaware Counties · Montgomery County, 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 Montgomery & Delaware Counties Home Purchase Program?

Habitat for Humanity of Montgomery & Delaware Counties Home Purchase Program is down payment assistance for homebuyers in Montgomery County, Pennsylvania, administered by Habitat for Humanity of Montgomery and Delaware Counties.

  • Habitat for Humanity of Montgomery and Delaware Counties partners with households earning below 80% of HUD AMI in Montgomery or Delaware County to purchase an affordable Habitat home financed with an affordable mortgage. Applicants must demonstrate housing need, ability to pay, residency/employment in the two counties, lawful US residency, and willingness to complete partnership (sweat-equity) hours.
  • Affordable Habitat mortgage.
  • Income up to 80% AMI eligible.
  • Partnership hours satisfiable through education, construction, ReStore, and community service.
  • HUD-affiliated nonprofit.
  • Funding comes from Habitat for Humanity of Montgomery and Delaware Counties (donations, volunteer labor, ReStore proceeds).

Do you have to pay it back?

Habitat for Humanity of Montgomery & Delaware Counties Home Purchase Program is down payment assistance and is repaid under the terms set by Habitat for Humanity of Montgomery and Delaware Counties.

  • 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 Montgomery & Delaware Counties Home Purchase 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 score; credit report must be clear of any bankruptcies or foreclosures within the last 3 years
  • A completed homebuyer education course, through Habitat MontDelco homebuyer/financial empowerment education programming
  • Residency: Applicant and co-applicant must be residents of Montgomery or Delaware County for at least 12 months OR employed in either county with 12 months proof
  • Citizenship or immigration status: Must be lawful permanent residents of the US or US citizens; proof required
  • Up to 400 partnership (sweat-equity) hours based on family size; no bankruptcies or foreclosures within last 3 years. Applications closed between housing opportunities. GAPS: household-size income dollar table (shown only as image), exact partnership-hour scaling, lien position, DTI limit, and mortgage term not extracted.

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 Montgomery & Delaware Counties Home Purchase Program limits household income to 80% of the area median income, which varies by county and household size.

  • Annual household income must be below 80% of Area Median Income (AMI) as determined by HUD. Each project may set a different minimum income based on the home's selling price.
  • 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 Montgomery & Delaware Counties Home Purchase Program can be used for Single Family.

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

Where does it apply?

Habitat for Humanity of Montgomery & Delaware Counties Home Purchase Program serves buyers purchasing in Montgomery County, Pennsylvania.

How do you apply?

Applications for Habitat for Humanity of Montgomery & Delaware Counties Home Purchase Program go through Habitat for Humanity of Montgomery and Delaware Counties, 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 MontDelco homebuyer/financial empowerment education programming.

  2. Contact Habitat for Humanity of Montgomery and Delaware Counties to reserve funds

    Funds are reserved through Home Purchase Inquiry Form; applications open when a new housing opportunity becomes available, 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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