Habitat for Humanity of Schenectady County Homeownership Program
Funding status: Active
How much assistance
Below-market home purchase with zero-interest mortgage (Zero-Interest Loan)
No-interest, no-profit mortgage. Homes sold at cost with affordable monthly payments.
Eligibility
- Income limits: 40% to 80% of Area Median Income for Albany-Schenectady-Troy MSA
- First-time buyer required: Yes — Must not have owned a home in the past 3 years.
- Geographic restrictions: Schenectady County.
- Homebuyer education required: Yes
How to Apply for Habitat for Humanity of Schenectady County Homeownership Program
Step 1: Visit schenectadyhabitat.org to check application availability. Applicants must complete 200 hours of sweat equity volunteer labor, attend financial education and budget-planning classes, and demonstrate a two-year history of stable income and employment. You must be able to cover closing costs and down payment.
Notes
Applications open periodically. Interested parties can submit contact information to join the notification list. Contact: (518) 395-3412 or habitat@schenectadyhabitat.org. Located at 115 N. Broadway, Schenectady, NY 12305.