Habitat for Humanity Capital District Homeownership Program
Funding status: Active
How much assistance
Affordable home purchase with no-profit pricing and low-interest mortgage (Zero-Interest Loan)
Eligibility
- Income limits: Must demonstrate financial need and ability to repay an affordable mortgage.
- First-time buyer required: Yes — Must not have owned a home in the past 3 years (HUD definition).
- Geographic restrictions: Serves the Capital District region including the City of Albany.
- Homebuyer education required: Yes
How to Apply for Habitat for Humanity Capital District Homeownership Program
Step 1: Visit habitatcd.org for application details and program requirements. Applicants must demonstrate need, willingness to partner (sweat equity hours), and ability to repay. Habitat partners with families to build or purchase homes at no profit, financed with affordable mortgages from local banking partners.
Notes
Has launched a 100 in 5 initiative with the Albany County Land Bank to build 100 new affordable homes in the City of Albany. Over 35 years of service in Albany, with more than 60% of partner families being Black homeowners.