Do I have to be a first-time buyer for Habitat for Humanity California Affiliates?

Yes. The program lists a first-time buyer requirement.

Is there an income limit?

Yes. The listed income limit is 80% AMI.

Habitat for Humanity California Affiliates

Habitat for Humanity California Affiliates is a 0% affiliate first mortgage from Local Habitat affiliates. Available statewide in California. Up to 100% toward a home purchase. For first-time buyers. Income limit: 80% AMI.

Up to 100%

Listed as open as of April 10, 2026

Available statewide in California.

First-time buyer	Required
Income limit	80% AMI
Homebuyer education	Required
Repayment	0% int.; 30-yr; deferred
Notes	INFORMATIONAL, 0% interest, sweat equity required. 30+ CA affiliates.

Source Local Habitat affiliates·official program page·Verified April 10, 2026

Provider: Local Habitat affiliates · program details at the provider’s site.

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