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Mountain Spirit Habitat for Humanity Homeownership Program

Mountain Spirit Habitat for Humanity · Powell, Wyoming

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Income limit

60% AMI

Of area median income; varies by county and household size

What is Mountain Spirit Habitat for Humanity Homeownership Program?

Mountain Spirit Habitat for Humanity Homeownership Program is a first mortgage for homebuyers in Powell, Wyoming, administered by Mountain Spirit Habitat for Humanity.

  • Income-qualified Park County families (30%-60% AMI) build and buy their own home, sold at no profit with an affordable mortgage. Selection is based on need, ability to repay, and willingness to partner. Serves the Cody/Powell area.
  • Affordable, no-profit mortgage on a Habitat-built home.

Do you have to pay it back?

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

Who qualifies?

Mountain Spirit Habitat for Humanity Homeownership Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A completed homebuyer education course
  • Residency: Living or employed in Park County continuously for past 6 months
  • DRAFT (dpa-gap-finder 2026-06-14): pending review. 500 hours sweat equity; living/employed in Park County continuously past 6 months; 30%-60% AMI; demonstrated housing need.

The program excludes

  • Households above 60% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

Mountain Spirit Habitat for Humanity Homeownership Program limits household income to 60% of the area median income, which varies by county and household size.

  • Household income between 30% and 60% of area median income.
  • 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?

Mountain Spirit Habitat for Humanity Homeownership Program can be used for Single Family.

  • New construction is eligible.

Where does it apply?

Mountain Spirit Habitat for Humanity Homeownership Program serves buyers purchasing in Powell, Wyoming.

How do you apply?

Applications for Mountain Spirit Habitat for Humanity Homeownership Program go through Mountain Spirit Habitat for Humanity, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  2. Contact Mountain Spirit Habitat for Humanity to reserve funds

    Funds are reserved with the provider and are subject to availability.

  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.

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