Habitat for Humanity of Kanawha & Putnam Homeownership Program

Habitat for Humanity of Kanawha & Putnam Homeownership Program is a first mortgage for homebuyers in Charleston, West Virginia, administered by Habitat for Humanity of Kanawha & Putnam County, Inc. Habitat for Humanity of Kanawha & Putnam offers low-to-moderate-income families a path to homeownership by purchasing a Habitat-built home with a 0% interest, 30-year mortgage. Applicants must earn no more than 60% of HUD Area Median Income, complete sweat equity (250+ hours per adult) and two nine-week education programs, and contribute a $600 down payment. 0% interest mortgage. 30-year term. $600 down payment. Sweat equity in lieu of large down payment. Refundable education fees. No profit on home sale. Funding comes from Habitat for Humanity (nonprofit; Fund for Humanity / donations).

Habitat for Humanity of Kanawha & Putnam Homeownership Program is a first mortgage and is repaid under the terms set by Habitat for Humanity of Kanawha & Putnam County, Inc.. The assistance is recorded in First position. 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 Kanawha & Putnam Homeownership Program is open to homebuyers who will live in the home as their primary residence. On credit, the program states: Credit report reviewed; no bankruptcy in past 2 years (must be discharged 2+ years). A homebuyer education course is required, through Nine-week Master Homeowner Program and nine-week Homeowner Financial Literacy Program ($90 each, refunded on completion); Introduction to Habitat Homeownership online course required to obtain application. Residency requirement: Must have lived in Kanawha or Putnam County continuously at least 3 months at time of application. Application only available after completing the Introduction to Habitat Homeownership online course; Sex Offender Registry and criminal background checks conducted; no bankruptcy in past 2 years. NMLS #1414397. Application windows only (e.g. Jan 5 - Feb 13, 2026).

Habitat for Humanity of Kanawha & Putnam Homeownership Program sets its income limit as follows: Household income must not exceed 60% of the Area Median Income as defined by HUD. 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 Kanawha & Putnam Homeownership Program can be used for Single Family. New construction is eligible. Manufactured homes are not eligible.

Habitat for Humanity of Kanawha & Putnam Homeownership Program serves homebuyers purchasing in Charleston, West Virginia.

Applications for Habitat for Humanity of Kanawha & Putnam Homeownership Program go through Habitat for Humanity of Kanawha & Putnam County, Inc., 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.