Habitat for Humanity of the Tri-State Homeownership Program

Habitat for Humanity of the Tri-State Homeownership Program is a first mortgage for homebuyers in Huntington, West Virginia, administered by Habitat for Humanity of the Tri-State (HFHTS). Habitat for Humanity of the Tri-State helps low-income families in Cabell and Wayne Counties (WV) and neighboring OH/KY counties purchase a newly built Habitat home through an affordable mortgage and sweat equity. Applicants must show a housing need, steady income within HUD guidelines, good credit (medical debt excluded), and 6 months' residency in the service area. HFHTS also runs a separate Veterans Housing Initiative. Affordable Habitat mortgage. New-build homes. Veterans Housing Initiative available. Serves WV Cabell & Wayne plus OH/KY counties. Homeowner education. Funding comes from Habitat for Humanity (nonprofit; donations and volunteer labor).

Habitat for Humanity of the Tri-State Homeownership Program is a first mortgage and is repaid under the terms set by Habitat for Humanity of the Tri-State (HFHTS). 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 the Tri-State Homeownership Program is open to homebuyers who will live in the home as their primary residence. On credit, the program states: Good credit history required; medical bills not counted as debt; no bankruptcy within last 3 years. A homebuyer education course is required, through Homeowner Application Seminar required to receive application; homeowner education provided. Residency requirement: Must have lived in Cabell County WV, Wayne County WV, Lawrence County OH, Scioto County OH, Boyd County KY, or Greenup County KY for at least 6 months. Application available only by attending a Homeowner Application Seminar (call 304-523-4822). A down payment is required. Veteran flag set true because HFHTS operates a dedicated Veterans Housing Initiative; exact down payment amount and FY2026 income figures not transcribed from the image chart - confirm with affiliate.

Habitat for Humanity of the Tri-State Homeownership Program sets its income limit as follows: HUD-based income guidelines by family size (FY2026 chart published; separate chart for Scioto County, OH). Steady dependable income required. 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 the Tri-State Homeownership Program can be used for Single Family. New construction is eligible. Manufactured homes are not eligible.

Habitat for Humanity of the Tri-State Homeownership Program names veterans among the groups it serves. Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Habitat for Humanity of the Tri-State Homeownership Program serves homebuyers purchasing in Huntington, West Virginia.

Applications for Habitat for Humanity of the Tri-State Homeownership Program go through Habitat for Humanity of the Tri-State (HFHTS), 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.