Wyoming Valley Habitat for Humanity Homeownership Program

What is Wyoming Valley Habitat for Humanity Homeownership Program?

Wyoming Valley Habitat for Humanity Homeownership Program is down payment assistance for homebuyers in Kingston, Pennsylvania, administered by Wyoming Valley Habitat for Humanity.

• Wyoming Valley Habitat for Humanity builds simple, decent homes in Luzerne County and sells them to selected partner families. Selection is based on housing need, ability to pay an affordable monthly mortgage, and willingness to partner (at least 200 sweat-equity hours). Applicants must have lived in Luzerne County for at least one year and earn between 40% and 80% of local median income.
• 0% interest mortgage.
• Homes sold at affordable terms.
• Sweat-equity participation.
• Family Selection Committee support.
• Funding comes from Donations; ReStore proceeds; volunteer labor; individual and corporate donors.

Do you have to pay it back?

Wyoming Valley Habitat for Humanity Homeownership Program is down payment assistance and is repaid under the terms set by Wyoming Valley Habitat for Humanity.

• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Wyoming Valley Habitat for Humanity Homeownership Program is open to buyers who will live in the home as their primary residence.

What are the income limits?

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

• Gross annual income between 40% and 80% of local median by household size (WVHFH Family Selection Criteria, updated 6/4/2026): 1p $25,775-$51,550; 2p $29,450-$58,900; 3p $33,125-$66,250; 4p $36,800-$73,600; 5p $39,750-$79,500; 6p $42,700-$85,400; 7p $45,650-$91,300; 8p $48,600-$97,200.
• The limit applies to total household income, not only the borrower’s.
• The program lists a maximum household size of 8.
• 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?

Wyoming Valley Habitat for Humanity Homeownership Program can be used for Single Family.

• New construction is eligible.

Where does it apply?

Wyoming Valley Habitat for Humanity Homeownership Program serves buyers purchasing in Kingston, Pennsylvania.

How do you apply?

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

1. 1

   Contact Wyoming Valley Habitat for Humanity to reserve funds

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

2. 2

   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.