Habitat for Humanity NYC and Westchester Homeownership Program
Funding status: Active
How much assistance
Affordable mortgage with reduced payments (Zero-Interest Loan)
Homebuyers must maintain owner-occupancy.
Eligibility
- Income limits: Must earn 50%-80% of Area Median Income (AMI) as established by HUD
- First-time buyer required: Yes — Must be a first-time homebuyer as established by HUD, with no accounts in collection, no charge-offs, no unsatisfied public records, and no bankruptcies within the last three years.
- Geographic restrictions: New York City and Westchester County.
- Homebuyer education required: Yes
How to Apply for Habitat for Humanity NYC and Westchester Homeownership Program
Step 1: Apply through the NYC Housing Lottery system. Selected applicants must complete 200 Sweat Equity Credit Hours (total per household) before moving into their Habitat home. Contact Habitat NYC and Westchester for more information.
Notes
Family selection is based on level of need, willingness to partner with Habitat, and ability to repay an affordable mortgage. Applicants selected through NYC Housing Lottery.