Bay Area Habitat for Humanity Homeownership Program

Administered by: Bay Area Habitat for Humanity · Nonprofit · Zero-Interest Loan

Funding status: Active

How much assistance

Affordable home purchase with zero-interest mortgage (Zero-Interest Loan)

Zero-percent interest mortgage with no profit on home sale. Repaid through affordable monthly payments.

Eligibility

  • Income limits: Low to moderate income families. Income limits vary by household size.
  • First-time buyer required: No
  • Geographic restrictions: Serves southeast Harris County, Galveston County, and east Brazoria County, stretching from La Porte to Galveston Island and from Pearland/Alvin to Galveston Bay.
  • Homebuyer education required: Yes

How to Apply for Bay Area Habitat for Humanity Homeownership Program

Step 1: Contact Bay Area Habitat for Humanity to learn about application timelines and eligibility requirements. If selected, you must complete homebuyer education and contribute sweat equity hours helping build Habitat homes.

Visit program website

Notes

Families are selected based on level of need, willingness to partner with Habitat, and ability to repay an affordable mortgage.

Cities Where This Program Is Available