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Eligibility to Habitat’s homeownership program is based on 3 requirements, including need, willingness to partner, and ability to pay an affordable mortgage.

  • “Need for housing” can mean a few different things. If the Selection Committee determines any of these apply, you meet this requirement.

    • Substandard Housing - Has issues that create health and/or safety problems (mold, unsafe neighborhood, poor heating/plumbing, etc…)

    • Temporary Housing - Temporary living arrangements or transitional/subsidized housing

    • Housing that is too expensive - >50% income is being spent for total housing costs (rent and utilities, which may include water, sewer, trash removal, gas and/or electricity)

  • Willingness to partner includes completing “sweat-equity”. This is the time and effort you contribute toward the building of your home. We offer a hand up, never a hand out. Through shelter, we empower!

    • A two-adult household is required to perform a minimum of 300 hours of sweat equity

    • A single-adult family is required to complete 200 hours

    • A portion of the sweat equity hours can be completed by family and friends

  • All Habitat homeowners must have the ability to pay an affordable mortgage. Applicants must demonstrate that they have:

    • A steady, reliable source of income and demonstration of financial responsibility

    • NOT filed for bankruptcy within the past 2 years

    • Must have clean credit for >6 months before applying for a USDA mortgage