Own a Home with Habitat for Humanity Mississippi Capital Area

HFHMCA offers an affordable path to homeownership for individuals and families who seek a safe, decent, affordable home.

We believe in building strength, stability and self-reliance through homeownership and we do it by partnering with hardworking people ready to invest in their future with a 30-year-zero-interest loan.

We take applications on the second week of the month.

Do You Qualify?

Our program is designed for those who are ready to own a home but may not qualify through traditional means. See if you meet the basic eligibility requirements below:

Need for Affordable Housing

Applicants must currently live in housing that is:

  • Overcrowded

  • In poor or unsafe condition

  • Spending a large portion of income on rent

Ability to Pay a Mortgage

Habitat homes are not free, they are affordable. Homeowners purchase their homes through a 30-year-zero-interest mortgage, which is structured to be manageable based on income.

Required of Applicants:

  • Good references and a history of paying bills

  • A source of income (employment, SS, SSI, Child Support, etc.)

  • Clear background check

  • Ability to make a $1,000 down payment

  • Ability to make monthly mortgage payments, including principle, taxes and insurance that total between $600 – $750

  • No excessive debt

  • No active liens, judgments or active garnishments


    If you’re close to meeting these qualifications or fall short in just one area, HFHMCA staff can work with you to help you become a homeowner. Contact VP of Family Services, Bridget Steed at bsteed@habitatmca.org

Willingness to Partner with Habitat

Habitat is a partnership, not a giveaway. Selected homeowners commit to:

  • Completing "Sweat Equity" hours, working on their own home or volunteering with Habitat

  • Attending homeownership and financial education workshops

  • Being active participants throughout the homebuilding process

Monthly Income Between

Number in Family

$1560 – $4160

1

$1783 – $4753

2

$2005 – $5347

3

$2228 – $5940

4

$2408 – $6420

5

$2585 – $6893

6

$2763 – $7367

7

$2943 – $7847

8

Next Steps

Ready to take the first step toward homeownership?