affordable homeownership
Thank you for your interest in our Homeownership Program. Submitting an interest form is the first step in our application process. The interest form is OPEN! Please submit your form by 11:59 P.M. on October 20, 2026. Previous forms submitted within the past two years are still in our system!
Please return to this page periodically for updates about future open periods, eligibility requirements, and program availability. Open periods will also be announced on social media channels. Read below to learn more about the process and requirements.
counties
sites
homes
we partner with families that meet three main requirements
Demonstrate the need for decent housing
Have the ability to pay an affordable mortgage
Willing to partner in the construction of the home
cost
these homes are not free
volunteer time
selected families work 500 hours to build their home
credit score
your credit score must meet a minimum number
Please read through our new FAQs before proceeding by clicking on the “Homebuyer Eligibility FAQs” button below.
Learn more about our selection process by watching our video!
INCOME REQUIREMENTS
A family’s income is based on their TOTAL household income. This includes all job earnings, public assistance, social security, disability, child support, and/or alimony payments. Government rent subsidies (Section 8) are not considered income. Requirements are based on HUD guidelines.
You must be a resident of the county where we are building for at least ONE YEAR prior
You must be a U.S. citizen or permanent resident
You must be able to complete at least 500 hours of volunteer time
You must have a FICO score of 640 or higher
You must demonstrate a need for decent housing AND be able to pay an affordable mortgage
No outstanding collections (exceptions may apply)
Submitting an interest form is not an application and does not guarantee you will be moved forward in the process.
If you have previously submitted an interest form, it is still valid and considered for future projects.
The application period for the Homeownership Program is currently OPEN. Interest forms will only be accepted during announced application periods. Please submit your form by 11:59 P.M. on October 20, 2026.
Are you an existing Habitat homeowner and do you need to submit a warranty concern? You can access the form below to submit your concern. Please be prepared to enter the password provided to you in your warranty binder.
