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Get Matched Free →Essex County Habitat for Humanity Homeownership Program
Funding status: Active
How much assistance
Affordable 30-year mortgage with no traditional down payment required; sweat equity replaces down payment
Eligibility
- Income limits: Household income at or below 80% of Area Median Income
- First-time buyer required: Yes — Must not have owned a home in the past three years.
- Credit score minimum: 640
- Geographic restrictions: Serves Essex County communities including Lawrence, Methuen, Haverhill, Andover, North Andover, Amesbury, and Newburyport.
- Homebuyer education required: Yes
How to Apply for Essex County Habitat for Humanity Homeownership Program
Step 1: Verify you meet income and residency requirements. Step 2: Attend an information session hosted by Essex County Habitat for Humanity. Step 3: Submit an application during an open application period. Step 4: If selected, complete 240 sweat equity hours alongside volunteers to help build your home. Step 5: Close on your affordable mortgage. Contact Essex County Habitat at 978-681-8858 or info@merrimackvalleyhabitat.org.
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