Mon Valley Habitat for Humanity Homeownership Program

Mon Valley Habitat for Humanity Homeownership Program is a first mortgage for homebuyers in Morgantown, West Virginia, administered by Mon Valley Habitat for Humanity. Mon Valley Habitat for Humanity partners with qualified low-to-moderate-income families in Marion, Monongalia, and Preston Counties to provide newly built homes with affordable, 0%-interest mortgages. In place of a traditional down payment, buyers complete 150-250 sweat equity hours including homebuyer education. Income eligibility follows HUD 50-60% AMI ranges by county. 0% interest affordable mortgage. No conventional down payment (sweat equity). New-build homes. Homebuyer education included. Serves 3 counties. Funding comes from Habitat for Humanity (nonprofit; donations and volunteer labor).

Mon Valley Habitat for Humanity Homeownership Program is a first mortgage and is repaid under the terms set by Mon Valley Habitat for Humanity. 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.

Mon Valley Habitat for Humanity 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 last 3 years; stable income 12 months; medical debt excluded from debt evaluation. A homebuyer education course is required, through Homeownership & Financial Literacy classes (counted within sweat equity hours). Residency requirement: Must live and/or work in Marion, Monongalia, or Preston County for at least the last 12 months; cannot currently be a homeowner. Applications accepted only for counties with open application windows (e.g. Monongalia deadline April 17, 2026). Must not currently own a home. Income ranges are HUD-based and vary by county/household size; confirm current-year figures with Habitat.

Mon Valley Habitat for Humanity Homeownership Program sets its income limit as follows: Income guidelines based on 50-60% of Area Median Income (HUD) by county. Monongalia County 4-person qualifying range $46,350-$55,620; Marion County 4-person range $36,650-$43,980. Ranges scale by household size 1-8. The limit applies to total household income, not only the borrower’s. The program lists a maximum household size of 8. Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

Mon Valley Habitat for Humanity Homeownership Program can be used for Single Family, Townhouse, and 2-4 Unit. New construction is eligible. Manufactured homes are not eligible.

Mon Valley Habitat for Humanity Homeownership Program serves homebuyers purchasing in Morgantown, West Virginia.

Applications for Mon Valley Habitat for Humanity Homeownership Program go through Mon Valley Habitat for Humanity, 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.