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Habitat for Humanity Spokane Homeownership Program

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

Funding status: Waitlist

How much assistance

Below-market home sale with an affordable mortgage capped at 30% of gross monthly income (Zero-Interest Loan)

Not forgivable. Borrower pays an affordable 0% interest mortgage over the loan term.

Income limits: Typically 30% to 80% AMI for Spokane County
First-time buyer required: Yes — Applicants must demonstrate housing need and not currently own a primary residence.
Geographic restrictions: Spokane County. Requires sweat-equity partnership hours plus financial workshops and homebuyer education.
Homebuyer education required: Yes

Step 1: Watch the Habitat for Humanity-Spokane virtual information video.

Step 2: Review the qualification chart on habitat-spokane.org.

Step 3: Submit your contact info to join the homeownership waitlist.

Step 4: Homeowner Services contacts applicants when a slot opens (can be up to one year).

Step 5: Complete the full application, financial workshops, and required sweat-equity hours.

Step 6: Purchase your Habitat home with the affordable zero-interest mortgage.

Waitlist can run up to one year before application opens. Contact (509) 534-2552 or homeownerservices@habitat-spokane.org.