Homeownership Program Qualifications

To qualify for a Habitat home, the applicant must meet qualifying criteria including:
  • Have a need for housing, (i.e. presently living in substandard, overcrowded, inadequate, or unaffordable shelter).
  • Not have property or land in your name
  • Ability to pay closing costs and a zero interest mortgage
  • Responsible credit history
  • Income between 30% and 80% of the area median income for your household size. See HUD’s Income Limit Chart below.
  • Be willing to become a Partner by completing sweat equity (also known as volunteer hours).

HUD's 2020 Income Limits

Persons
Lowest Income
Highest Income
1
$26,600
​$42,600
2
$30,400
​$48,650
3
​$34,200
​$54,750
4
​$38,000
​$60,800
5
​$41,050
​$65,700
6
​$44,100
​$70,550
7
​$47,150
​$75,400
8
​$50,200
​$80,300