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Rockford Area Habitat for Humanity

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

Funding status: Active

How much assistance

Below-market home with 0% interest Habitat mortgage (Zero-Interest Loan)

0% interest loan held by Habitat. Borrower pays only the subsidized cost of the home over the term of the loan.

Eligibility

  • Income limits: Typically 30-80% Area Median Income; annual HUD income guidelines.
  • First-time buyer required: No
  • Geographic restrictions: Winnebago County, Illinois (Rockford area).
  • Homebuyer education required: Yes

How to Apply for Rockford Area Habitat for Humanity

Step 1: Apply through Rockford Area Habitat for Humanity. Complete 200 volunteer hours during construction, homebuyer education, and financial counseling. Contact 815-636-4573 to begin the application process.

Notes

Nonprofit housing developer and lender formed in 1988. Also partners with Rockford Housing Authority on affordable homeownership initiatives.

Cities Where This Program Is Available