Houston Habitat for Humanity Down Payment Assistance

Houston Habitat for Humanity Down Payment Assistance is a grant for homebuyers in Houston, Texas. Houston Habitat for Humanity provides subsidized homeownership through a partnership model in Harris County. Eligible families earn 50%–80% AMI, demonstrate housing need, and complete up to 250 hours of sweat equity. Habitat offers zero-interest mortgage loans with payments capped at 30% of gross income, helping families who cannot qualify for or afford a traditional mortgage. Homes are Energy Star certified. Zero-interest mortgage. Payment capped at 30% of income. Sweat equity model. Energy Star certified homes. Financial counseling provided. Serves 50%–80% AMI households. Funding comes from Nonprofit.

Houston Habitat for Humanity Down Payment Assistance 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.

Houston Habitat for Humanity Down Payment Assistance 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. A homebuyer education course is required. Citizenship or immigration status: yes.

Houston Habitat for Humanity Down Payment Assistance sets its income limit as follows: Household gross income between $50,000–$80,900 (family of 4); 50%–80% AMI for Houston MSA. Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

Houston Habitat for Humanity Down Payment Assistance can be used for Single-family. New construction is eligible.

Houston Habitat for Humanity Down Payment Assistance serves homebuyers purchasing in Houston, Texas. The program gives priority to designated target areas, so the address matters as well as the county.

Applications for Houston Habitat for Humanity Down Payment Assistance go through the administering agency, which publishes the current terms and the application steps on its own site. 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.