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).

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.

Habitat for Humanity of York County Homebuyer Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. On credit, the program states: 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 homebuyer education course is required, through Habitat for Humanity of York County Financial Capability Workshop and homebuyer education / financial literacy courses. Residency requirement: 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.

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.

Habitat for Humanity of York County Homebuyer Program can be used for Single Family. New construction is eligible. Manufactured homes are not eligible.

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

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. Funds are reserved through Open application periods approximately once a month; apply after Financial Capability Workshop and Application Orientation. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.