Houston Habitat for Humanity Down Payment Assistance

What is 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.

How much assistance does it provide?

Houston Habitat for Humanity Down Payment Assistance provides assistance worth 3% of the purchase price, as set by the program.

• Amounts are the program's published maximums, not an offer — the administering agency determines any individual award.

Do you have to pay it back?

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.

Who qualifies?

Houston Habitat for Humanity Down Payment Assistance is open to first-time homebuyers and buyers who will live in the home as their primary residence.

What are the income limits?

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.

What kind of home can it be used for?

Houston Habitat for Humanity Down Payment Assistance can be used for Single-family.

• New construction is eligible.

Where does it apply?

Houston Habitat for Humanity Down Payment Assistance serves buyers purchasing in Houston, Texas.

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

How do you apply?

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.

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.