Program Qualifications

The Habitat Program is made up of 2 divisions; Homeownership and Habitat HOPE.  Each division is a self-help program where Habitat provides you with coaching and tools necessary to become better prepared for homeownership.  For those who do not qualify for the Homeownership Program, due to credit issues, the Habitat HOPE Program is designed to address and clear those issues that prevent you from homeownership. 

  • Sweat Equity - You will be required to contribute 200 hours per adult of volunteer work, called sweat equity *100 hours must be on the construction site
  • Education - You will be required to participate in a series of workshops hosted by Habitat for Humanity.  Topics covered include home maintenance, personal finance, and budgeting.
  • Savings - You are required to open a saving account and contribute a minimum of $25.00 per month, until you reach a total of $1,000.00.   These funds will be applied towards the purchase of a house, should you complete the program.

Below are the guidelines for stable gross annual income (before taxes).  If you are not sure if your income meets these guidelines, we strongly encourage you to submit your application for us to review and make a determination:

Income Guidelines - Urban and Suburban

Family Size

Lower Limit

Higher Limit

One

$34,000

$36,400

Two

$34,000

$41,600

Three

$34,000

$46,800

Four

$34,000

$52,200

Five

$34,000

$56,200

*Gross means before deductions

Income Guidelines-Rural (requires 640 credit score)

Family Size

Lower Limit

Higher Limit

One

$26,000

$36,400

Two

$26,000

$41,600

Three

$26,000

$46,800

Four

$26,000

$52,000

Five

$26,000

$56,200

Homeownership