A decent and affordable home is the foundation to build your future. The Habitat Homebuyer Program consists of sweat equity, educational classes, and community service - all designed to prepare you for homeownership.
Program Requirements
Demonstration of Need
If your housing situation includes one or more of the following:
Substandard Housing - housing situation has issues that create health and/or safety problems (e.g., mold, broken plumbing, faulty or unsafe electrical service, etc.)
Cost Burdened - housing that is too expensive (e.g., rental payments are >35% of your total income)
Overcrowded - If an adult and child, >2 children or 2 children of the opposite sex share a bedroom
Willingness to Partner
Applicants must demonstrate a commitment to provide consistent, dedicated, work to our program:
Single applicants must complete 200 sweat equity hours
Dual applicants must complete 300 sweat equity hours
All homebuyers must participate in ‘Home Ownership’ courses
Ability to Pay
Applicants must demonstrate that they have:
A steady, reliable, source of income
A good credit score (or be willing to work towards one)
Select your household size (total number of people living in the home). Then, identify the total GROSS income for the entire household. This is any earned wages before tax deduction, all SSI or SSD, and any income from self-employment, child support, pension, or survivor benefits for everyone in the household. Please validate that you fall within the minimum and maximum amounts, per your household size, to qualify.