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Cowlitz County Habitat for Humanity Homeownership Program

Administered by: Cowlitz County Habitat for Humanity · Nonprofit · Zero-Interest Loan

Funding status: Active

How much assistance

Below-market home purchase with 0% interest 30-year Habitat mortgage; effective subsidy typically tens of thousands of dollars (Zero-Interest Loan)

Long-term affordability preserved through resale restrictions

Eligibility

  • Income limits: Low-income households as defined annually by HUD for Cowlitz County (typically 30%-80% AMI)
  • First-time buyer required: Yes — First-time homebuyer (no homeownership in the past three years)
  • Geographic restrictions: Cowlitz County, Washington
  • Homebuyer education required: Yes

How to Apply for Cowlitz County Habitat for Humanity Homeownership Program

Step 1: Contact Cowlitz County Habitat for Humanity at 360-425-6177 or cowlitzhabitat.org. Selection is based on need, willingness to partner, and ability to repay an affordable mortgage. Approved partner families complete 500 sweat equity hours building their home before purchasing.

Notes

Founded in 2000. Has built nearly 40 new homes and completed 75+ home preservation projects. Office located at 1323 S. 13th Avenue, Kelso, WA 98626.

Cities Where This Program Is Available