Habitat for Humanity North Central Massachusetts Homeownership Program
Funding status: Active
How much assistance
Affordable home purchase with no-interest mortgage and sweat equity partnership (Zero-Interest Loan)
Affordable mortgage repayment plan; no traditional interest charged
Eligibility
- Income limits: Household income must fall between 30%-60% of Area Median Income for the Fitchburg/Leominster area as defined by HUD
- First-time buyer required: Yes — Must not have owned a home in the past 3 years
- Geographic restrictions: Serves Ashburnham, Ashby, Athol, Ayer, Baldwinville, Clinton, Fitchburg, Gardner, Groton, Harvard, Hubbardston, Lancaster, Leominster, Lunenburg, Petersham, Phillipston, Royalston, Shirley, Sterling, Templeton, Townsend, West Townsend, Westminster, and Winchendon
- Homebuyer education required: Yes
How to Apply for Habitat for Humanity North Central Massachusetts Homeownership Program
Step 1: Apply directly through North Central Massachusetts Habitat for Humanity. Families are selected based on level of need, willingness to partner with Habitat (including 200-350 hours of sweat equity), and ability to repay an affordable mortgage. Contact Habitat for Humanity NCM at their Leominster office.
Notes
Sweat equity hours required: 200 hours for single-adult families, 350 hours for two-adult families.