Homeownership is as desirable for people with disabilities as it is for anyone else in America, yet it is estimated that less than one percent of Americans with disabilities are homeowners versus 66 percent of those without disabilities. Currently through the Home of Your Own Program (HOYO), Easter Seals is closing on 10-20 homes per year for individuals with disabilities who are low income and first time homebuyers.
 

Read this GREAT Success Story!
HOYO en Espanol
Housing Classes

HOME OF YOUR OWN (HOYO)

• 
  
  • PROGRAM GUIDELINES
  • At least one member of the household must have a documented disability
  • Meet income guidelines (below 80% Area Median Income)
  • Attend a HUD-CertifiedHomebuyer's Education Class
  • Have a social security number
  • Purchase home in Harris (outside the city limits of Houston), Montgomery or Fort Bend counties
  • Home must be built after January 1, 1978, and pass inspections
  • Maximum sales price of home is $271,050
  • Qualify for a 30-year, fixed rate Conventional or VA loan with a lender of your choice

APPLICATIONS AND FORMS

Application Process
Program Guidelines for Lenders
Intake Application

MONTGOMERY COUNTY HOME FUND PROGRAM

$7,500 to $14,500 Down Payment Assistance for individuals meeting income guidelines

PROGRAM GUIDELINES

• Gross Annual Household Income below 80% Area Median Income
• Attend a HUD-Certified Homebuyer's Education Class
• Have not owned a home in the last three years
• Have a social security number
• Purchase home in Montgomery County (outside the city limits of Conroe)
• Maximum sales price of home is $271,050
• Qualify for a 30-year fixed rate FHA, Conventional or VA loan with a lender of your choice
• $7,500 for pre-existing home; $14,500 for new home construction

APPLICATIONS AND FORMS

HOYO Flyer

Program Steps
Minimum Loan and Lender Requirements
Application Checklist
Application
Certification of Principal Residence Form
Release and Consent Form

THRIVE CONNECTION

“Financial Empowerment/Homebuyer Club Workshops”
We are proud to be a United Way THRIVE agency! THRIVE is about helping families create financial stability and a better future by increasing income, building savings and acquiring assets. Easter Seals' THRIVE Connection helps families connect their MIND-to-their-MONEY by creating a plan for financial health. We want families to THRIVE!

In its first year of operation United Way THRIVE achieved remarkable success in establishing a path to financial stability for over 21,000 families.
Highlights include:

• 10:1 Return on Investment for Year One of THRIVE
• No cost tax preparation for 17,000 families with total refunds valued at over $21 million returned to the Houston economy with families' income up 10% plus.
• Over 2,000 helped with financial literacy education to better budget and handle their finances.
• Close to 800 families opened a bank account or matched savings account
• Families in intense financial education increase income on average by $2,700. 

 
Please visit Bank of Houston for information on bank accounts and financial literacy.

Special Thanks

Department of Housing and Urban Development
The Wachovia Foundation
Montgomery County United Way
United Way of Greater Houston
Entergy 
Wells Fargo

Sharing is Caring