Habitat for Humanity of the Tri-State Homeownership Program

What is 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).

Do you have to pay it back?

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.

Who qualifies?

Habitat for Humanity of the Tri-State Homeownership Program is open to buyers who will live in the home as their primary residence.

What are the income limits?

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.

What kind of home can it be used for?

Habitat for Humanity of the Tri-State Homeownership Program can be used for Single Family.

• New construction is eligible.
• Manufactured homes are not eligible.

Is there eligibility for specific groups?

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.

Where does it apply?

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

How do you apply?

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.

1. 1

   Take a homebuyer education course

   Required by the program, through Homeowner Application Seminar required to receive application; homeowner education provided.

2. 2

   Contact Habitat for Humanity of the Tri-State (HFHTS) 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.