Habitat for Humanity of Berks County Homeownership Program
How much assistance
Affordable 30-year mortgage on a Habitat-built or renovated home (Repayable Loan)
Affordable mortgage payments based on income; 30-year term
Eligibility
- Income limits: Must fall within Habitat income guidelines (generally 30-80% AMI depending on household size)
- First-time buyer required: Yes — Must not have owned a home previously
- Geographic restrictions: Reading, PA and surrounding Berks County areas
- Homebuyer education required: Yes
How to Apply for Habitat for Humanity of Berks County Homeownership Program
Step 1: Submit an application through Habitat for Humanity of Berks County. Complete 45 hours of financial education and 200 hours of sweat equity. The process typically takes 18-24 months from application to home dedication.
Notes
Habitat Berks homes are sold at market value and purchased through affordable low-interest, 30-year mortgages with payments based on income. Applicants must demonstrate need for affordable housing, fall within income guidelines (generally 30-80% AMI), and complete 45 hours of financial education plus 200 hours of sweat equity over a 12-24 month program period. Currently accepting applications for homes in Reading. Updated April 2026.