Applying for a
Habitat for Humanity was founded on the belief that everyone should have a safe, affordable place to call home. To put this principle into action, we partner with individuals, families, and communities to foster homeownership for those with low to moderate income levels. To qualify for Habitat support, applicants must demonstrate need for affordable housing, ability to pay a monthly mortgage, and willingness to fully partner with Habitat. Specific eligibility criteria vary from one community to the next, so contact your local affiliate to apply.
Prospective homeowners must demonstrate need for safe, affordable housing. This need is determined by low income levels (leading to cost-burdened housing), the safety and condition of the current living situation, and special circumstances such as age-related infirmity or disability.
Prospective homeowners must have the ability to repay a mortgage for their home. Habitat ensures that an affordable mortgage does not exceed 30% of the homeowner’s gross monthly income. Mortgage income is then used to fund future homes for more families.
Prospective homeowners must be willing to partner with Habitat throughout the process. This will entail contributing "sweat equity"(helping build their own home or the homes of other families). They will also participate in financial and homebuyer education and/or counseling.