Housing Eligibility
Are you ready to provide a safe, decent, affordable home for your family?
Join thousands of families who have received assistance if you:
Have a Demonstrated Need
Meet the Income Guidelines
Help Build Your Home
Attend Training Classes
Help Build Others’ Homes
Make Monthly Payments
Examples of Demonstrated Need
Structural/Mechanical problems in current building
Visible holes or large cracks
Leaks
Hazardous/toxic materials
Electrical problems
Plumbing problems
Broken appliances
Inadequate sleeping arrangements
More than 2 people share a room
Children with different genders sharing a room
Anyone having to sleep on the floor
Unsanitary conditions or health risks
Bugs
Rodents
Sewage problems
Stairway in disrepair
Allergy concerns
Temporary or transitional housing
Family living with relatives
Family in emergency shelter
Homelessness
Unable to obtain a conventional mortgage
Current housing does not meet physical needs
Ability to Pay
Applicants must have:
A steady, reliable source of income and demonstrate financial responsibility
The ability to pay a monthly house payment at approximately 25% of gross monthly income (taxes & insurance included)
The ability to pay projected monthly utilities (electric/gas & water/sewer)
NOT filed for bankruptcy within the past 2 years
NO outstanding collections, liens or judgments that cannot reasonably be paid by the completion of the home build
Complete “Sweat-Equity”
“Sweat-equity" is when a partner family takes part in building their own home and other Habitat homes and may include activities such as clearing the lot, painting, helping with construction, working in the Habitat office, or other approved activities.
A 2-adult household must perform at least 500 hours.
A single-parent family must perform at least 250 hours.
Family & friends can complete a portion, but not all, of the hours.
All of the hours must be completed before the partner family can purchase the home.