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Habitat for Humanity of York County Homebuyer Program

Habitat for Humanity of York County · York County, Pennsylvania

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Income limit

60% AMI

Of area median income; varies by county and household size

What is Habitat for Humanity of York County Homebuyer Program?

Habitat for Humanity of York County Homebuyer Program is down payment assistance for homebuyers in York County, Pennsylvania, administered by Habitat for Humanity of York County.

  • Habitat for Humanity of York County partners with applicant households between 30-60% of York County AMI to purchase an affordable Habitat home. Applicants must not own a home at application, demonstrate housing need, complete a Financial Capability Workshop and homebuyer education, and perform a minimum of 250 sweat-equity hours. Mortgage payments are capped at 30% of gross monthly income; total DTI must not exceed 40%. No minimum credit score is required.
  • Affordable mortgage capped at 30% of gross income.
  • No minimum credit score.
  • Financial capability and homebuyer education.
  • Multiple application opportunities allowed.
  • Funding comes from Habitat for Humanity of York County (donations, volunteer labor, ReStore proceeds).

Do you have to pay it back?

Habitat for Humanity of York County Homebuyer Program is down payment assistance and is repaid under the terms set by Habitat for Humanity of York 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 York County Homebuyer 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: No minimum credit score required for approval; must wait 7 years after bankruptcy discharge and reestablish good credit; all delinquent debt must be paid off before approval
  • A completed homebuyer education course, through Habitat for Humanity of York County Financial Capability Workshop and homebuyer education / financial literacy courses
  • Residency: Must have lived or worked in York County for the last year
  • Minimum 250 sweat-equity hours; $25 application fee; drug-free community commitment and no serious criminal history; application must be submitted within 60 days of attending an information session. NOTE: the public site uses a shared Habitat theme that displays a Rock Hill, SC footer; the affiliate is Habitat for Humanity of York County, PA. GAPS: PA York County office phone/address and household-size income table not confirmed; lien position and mortgage term not published.

The program excludes

  • Manufactured homes
  • Households above 60% 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 York County Homebuyer Program limits household income to 60% of the area median income, which varies by county and household size.

  • Income must be stable and fall between 30-60% of HUD Area Median Income for York County. Opportunities may be limited in the 60-80% range based on availability.
  • 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 York County Homebuyer Program can be used for Single Family.

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

Where does it apply?

Habitat for Humanity of York County Homebuyer Program serves buyers purchasing in York County, Pennsylvania.

How do you apply?

Applications for Habitat for Humanity of York County Homebuyer Program go through Habitat for Humanity of York County, 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 for Humanity of York County Financial Capability Workshop and homebuyer education / financial literacy courses.

  2. Contact Habitat for Humanity of York County to reserve funds

    Funds are reserved through Open application periods approximately once a month; apply after Financial Capability Workshop and Application Orientation, 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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