Knoxville Habitat for Humanity Homeownership Program

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

Funding status: Active

How much assistance

Affordable home with zero-to-low interest mortgage and silent forgivable second mortgage (Zero-Interest Loan)

Eligibility

  • Income limits: Income guidelines vary by application round and household size.
  • First-time buyer required: Yes — Must not have owned a home in the past 3 years.
  • Geographic restrictions: Knox County, Tennessee.
  • Homebuyer education required: Yes

How to Apply for Knoxville Habitat for Humanity Homeownership Program

Step 1: Apply during open application periods on the Knoxville Habitat website. Must complete 300 hours of sweat equity. Program takes 12-18 months. Call 865-523-3539 for information.

Visit program website

Notes

Founded in 1985. Mortgage payments capped at 30% of household income. Buyers help build their own home alongside volunteers. Uses a zero-to-low interest first mortgage combined with a silent, forgivable second mortgage to ensure affordability.

Cities Where This Program Is Available