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Get Matched Free →Evergreen Habitat for Humanity Homeownership Program
How much assistance
Affordable home purchase with 4.5% fixed first-mortgage rate and approximately $30-$40/month land lease fee (Repayable Loan)
Not forgiven. Permanent affordability is maintained through the Habitat Home Trust land-trust model — homeowner owns the home; Evergreen Habitat owns the underlying land.
Eligibility
- Income limits: Generally at or below 65% of Area Median Income for the 4.5% mortgage rate program.
- First-time buyer required: Yes — Priority for households who do not currently own a home.
- Geographic restrictions: Properties located in Clark County, WA (primarily Vancouver and surrounding communities).
- Homebuyer education required: Yes
How to Apply for Evergreen Habitat for Humanity Homeownership Program
Step 1: Attend an Evergreen Habitat information session to learn about eligibility and sweat-equity requirements. Submit an application during an open partner application window. Qualified applicants complete required homebuyer education and participation hours (helping build their home and their neighbor's home, volunteering at the Habitat Store, or other approved community service). Financing is provided through a first mortgage at 4.5% backed by WSHFC. Contact Evergreen Habitat at 360-737-1759 for current application details.
Notes
Land-trust model (Habitat Home Trust) keeps homes permanently affordable. Applicants must demonstrate willingness to partner (sweat equity), ability to pay, and need for housing.