Homeowner Program

Habitat for Humanity partners with low-income families interested in pursuing homeownership. The process averages 12-18 months to allow for a home’s construction or renovation, down payment savings, class attendance, and completion of other Habitat requirements.

Habitat partners with families who meet three criteria:

  1. Need for adequate housing. If your current is unaffordable (more than 30% of your income), you are living with family or friends, there are maintenance problems at your rental unit, or you can’t get approved for a conventional mortgage, you may qualify. Applicants must not currently own a home.
  2. Ability to pay. Habitat mortgages are no more than 30% of your gross income (including taxes and insurance), as determined by a licensed mortgage originator. Applicants should show the ability to make this payment, evidenced by meeting the income guidelines below and consistently paying bills. Perfect credit isn’t required, but any judgments and liens must be repaid before an applicant will be approved. Credit reports are reviewed for all applicants, and our Homeowner Services Consultant will discuss with potential homebuyers any credit issues impacting their application.
Family Size Minimum Monthly Income Maximum Monthly Income
1 $1054 $2462
2 $1204 $2812
3 $1354 $3162
4 $1504 $3512
5 $1625 $3798
6 $1746 $4077
7 $1867 $4638
8 $1988 $4638
  1. Willingness to partner. All adults who will be living in a Habitat home will complete a minimum of 300 hours of sweat equity. These hours include classes, Habitat events, helping in the ReStore and construction. A minimum of ¼ of these required hours must be completed in the first three months following approval as a partner family.

Click for Homeowner Application