Habitat for Humanity of the Lehigh Valley Homeownership Program

What is Habitat for Humanity of the Lehigh Valley Homeownership Program?

Habitat for Humanity of the Lehigh Valley Homeownership Program is a first mortgage for homebuyers in Allentown; Bethlehem; Easton, Pennsylvania, administered by Habitat for Humanity of the Lehigh Valley.

• Habitat for Humanity of the Lehigh Valley provides affordable homeownership in Allentown, Bethlehem, and Easton through 0% interest mortgages with monthly payments capped at 30% of gross income. Eligible families (35-80% AMI) must contribute at least 250 sweat-equity hours and complete homeownership and budgeting classes, and must have lived or worked in the Lehigh Valley for at least one year.
• 0% interest mortgage.
• Monthly payment capped at 30% of income.
• 20-30 year term.
• Homeownership and budgeting education.
• Funding comes from Habitat affiliate; private donations; sweat-equity model.

Do you have to pay it back?

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

• Repayment is triggered by Sale or transfer of property; 20-30 year mortgage terms.
• The assistance is recorded in 1 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 the Lehigh Valley Homeownership Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

What are the income limits?

Habitat for Humanity of the Lehigh Valley Homeownership Program limits household income to 80% of the area median income, which varies by county and household size.

• Between 35% and 80% AMI (Lehigh Valley, 2025). Min/Max: 1p $24,550/$56,150; 2p $28,050/$64,150; 3p $31,550/$72,150; 4p $35,050/$80,150; 5p $37,900/$86,600; 6p $40,700/$93,000; 7p $43,500/$99,400; 8p $46,300/$105,800.
• 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 the Lehigh Valley Homeownership Program can be used for Single Family.

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

Where does it apply?

Habitat for Humanity of the Lehigh Valley Homeownership Program serves buyers purchasing in Allentown; Bethlehem; Easton, Pennsylvania.

• The program targets specific areas: Allentown, Bethlehem, Easton (Lehigh and Northampton Counties).

How do you apply?

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

1. 1

   Take a homebuyer education course

   Required by the program, through Habitat homeownership and budgeting classes (sweat equity partnership).

2. 2

   Contact Habitat for Humanity of the Lehigh Valley to reserve funds

   Funds are reserved with the provider and are subject to availability.

3. 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.