Fair Shot Housing

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41 Curtis Street

41 Curtis Street, Haverhill, MA 01832Open in Google Maps

One income-restricted home for sale in Haverhill, with 3 bedrooms, for households of 3–6 people earning up to 60% of the area's median income.

Type of listing
For sale
Price
$245,000
Deadline
Dec 10, 2026, 12 pm
How you get in
First come
How to apply
Online ↗, by mail or in person
Listing page
MyMassHome ↗

Cost and eligibility

SizePriceYearly incomeHomes
3 bedrooms$245,000At least $68,5601

Asset limit

$75,000

Other costs

Down payment: 3% of the price.Closing costs: about $5,000.Mortgage, taxes, insurance and condo fee together: about $1,900–$2,100 a month.Condo fee: $150 each.Homeowner's insurance for the first year, paid before closing: typically $750–$1,500.

Criteria

Household size

3–6 people

Open to

First-time home buyers

Residency

Work 240–360 hours helping build your home or other Habitat homes

Income rules

Minimum income: $68,560 for 3 or 4 people, $74,080 for 5 people, $79,560 for 6 people.

Income limits

HouseholdMaximum income
3 people$92,580
4 people$102,840
5 people$111,120
6 people$119,340

Other rules from the listing

  • Must be a citizen or legal resident with 2 years of taxable income reported.
  • At least one co-applicant must not have owned a home in the last 3 years.
  • Credit score of at least 640.
  • Must show a housing need, such as poor housing, crowding or rent over 40% of income.
  • Must finish homebuyer classes before closing.
  • After a bankruptcy, you must wait 5 years and rebuild your credit.

How to apply

By mail

Essex County Habitat for Humanity
Attn: Carol

14 Park Street

Danvers, MA 01923

In person

Essex County Habitat for Humanity, 14 Park Street, Danvers, MA 01923

Documents you'll need

  • Your 3 most recent signed federal tax returns
  • With all pages and schedules
  • W-2
  • 1098, 1099 or other income forms for the last 2 tax years
  • Pay stubs for the last 6 weeks in a row for every working adult
  • Or a statement that an adult has no income
  • Written proof of other income
  • Such as child support
  • Alimony
  • Social Security or disability payments
  • Or the separation agreement and divorce decree
  • Your last 3 bank statements on bank letterhead
  • For savings and checking accounts
  • Papers for every asset worth over $1,000
  • Such as cars
  • Land
  • Businesses and investment accounts

Next steps

  1. If you qualify on income and credit, a committee member calls you to set up a home visit and interview.
  2. If you are chosen, you are told by phone and sign a Partnership Agreement Letter.
  3. You finish your work hours and classes before closing; your finances are checked again 45 days before.

Contact

Contact person

Carol Susi

Office hours

Monday–Friday, 9 am–1 pm

Details

Good to know

You pay for utilities, water and sewer.Pets are not allowed.The home stays deed restricted, so it remains affordable to future buyers.

Last checked

Oct 26, 2026
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