In order to process your application, we need to verify your income. We’ll need three months of pay stubs and bank statements, as well as proof of any other income like social security, disability, or child support.

Our family selection committee meets sometime in the summer to select families for the next builds. If you apply at other times of the year, we’ll hold on to your application until the next round of selection. Feel free to reach out to find out where we are in the process.

The family selection committee first determines which applicants qualify financially. We target families between 50% and 80% of area median income, per the FY2025 HUD guidelines below.

Once financially qualified, the committee checks your credit and completes a home visit. The final determination is made by scoring each applicant based on categories such as housing need and ability to pay.

The family selection committee first determines which applicants qualify financially. We target families between 50% and 80% of area median income, per the FY2025 HUD guidelines below.

A successful Habitat homeowner needs to complete a homeownership class through HOME Inc., complete 200-250 hours in sweat equity, and save a down payment of 1% of the home value plus some closing costs. 

Sweat equity is an opportunity for families to help build their home alongside volunteers and play an active part in making their dream of owning a home a reality. It can look like painting or cleaning at your future home, or volunteering at a local nonprofit. Households with one adult are required to complete 200 hours of sweat equity and households of two adults ar required to complete 250 hours. 

We provide homebuyers with a limited selection of cosmetic finishes for things like siding color, flooring materials, and interior paint colors. 

House features like room size, room location, wall placement, and kitchen arrangement are predetermined by the house plan being built. It is often an option to finish additional bedrooms in the basement when family size requires it.

Every Habitat homebuyer purchases their home with a mortgage. That means the new homeowner will pay off their home with monthly payments over the course of the loan, very similarly to buying on the open market.

But the biggest benefit to a Habitat mortgage is you pay a very low (often zero percent) interest rate! And no monthly mortgage payment (including taxes and insurance) will ever be more than 30% of the homeowner’s monthly income at the time of closing. 

Yes, we welcome you to reapply, especially if your income and other circumstances have changed.

There is no minimum credit score to qualify for a Habitat home. However, the criteria takes into account the amount of debt compared to income, the amount of past due debt, and other credit factors.

We do business in accordance with the Federal Fair Housing law.

We are pledged to the letter and spirit of the U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.