Austin Habitat for Humanity Homeownership Program

What is Austin Habitat for Humanity Homeownership Program?

Austin Habitat for Humanity Homeownership Program is a grant for homebuyers in Austin, Texas.

• Austin Habitat for Humanity provides affordable homeownership opportunities in Austin and surrounding counties (Travis, Hays, Bastrop, Blanco, Caldwell) for households at or below 80% AMI. Buyers must be first-time homeowners, have a 620+ credit score, and lived/worked in the service area for at least six months. Homes are sold starting at $152,000 with 100% financing through preferred lenders offering below-market interest rates.
• Homes starting at $152,000.
• 100% financing available.
• Below-market interest rates.
• Homebuyer education included.
• Serves Travis, Hays, Bastrop, Blanco & Caldwell counties.
• 620 minimum credit score.
• Funding comes from Nonprofit.

Do you have to pay it back?

Austin Habitat for Humanity Homeownership Program is structured as a grant, so it is not repaid.

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

Who qualifies?

Austin Habitat for Humanity 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?

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

• Household income at or below 80% of HUD Median Family Income for Austin-Round Rock MSA. 2025 limits: 1-person $72,950; 4-person $104,200.
• 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?

Austin Habitat for Humanity Homeownership Program caps the purchase price at $152,000.

• Eligible property types include Single-family.
• New construction is eligible.

Where does it apply?

Austin Habitat for Humanity Homeownership Program serves buyers purchasing in Austin, Texas.

• The program gives priority to designated target areas, so the address matters as well as the county.

How do you apply?

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

1. 1

   Take a homebuyer education course

   Required by the program before funds are reserved.

2. 2

   Contact the administering agency 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.