Homeownership

Equal Housing OpportunityApplications for Habitat Homes are reviewed and evaluated on the basis of a family’s need for adequate shelter; the ability of the family to pay its mortgage payments; and the willingness of the family to partner with Habitat for Humanity, by investing “sweat equity” in the building of their own and other Habitat houses, and in related volunteer work.


Myth: Habitat for Humanity gives houses away to poor people.

Fact:
Habitat for Humanity offers home ownership opportunities to families who are unable to obtain conventional house financing.  
Once selected, Habitat homeowners must partner with us throughout the process. This partnership includes performing “sweat equity” or helping to build their own home or the homes of others. Sweat equity can also include taking home ownership classes or performing volunteer work.  Homeowners must also be able and willing to pay an affordable mortgage. Mortgage payments are cycled back into the community to help build additional Habitat houses.  See  More Myths and truths …


Homeowner Eligibility Requirements

Although eligibility requirements can vary from city to city below are some basic eligibility requirements:

    • Applicants must have a gross annual household income based on HUD guidelines.

      — $11,800.00 to $28,320.00 for a family of 2
      — $13,275.00 to $31,860.00.for a family of 3
      — $14,750.00 to $35,400.00 for a family of 4
      — $15,930.00 to $38,232.00 for a family of 5
      — $17,110.00 to $41,064.00 for a family of 6
      — $18,290.00 to $43,896.00 for a family of 7
      — $19,470.00 to $46,728.00 for a family of 8

    • Applicants must have rented for the past 6-12 months depending on the city where Habitat houses are available.
    • At least one adult applicant in your family must have legal permanent residency or citizenship in the United States at the time of the application.
    • Applicants must have steady income, fair credit and a minimal level of debt.
    • Applicants and their family must be willing and able to perform “sweat equity” 
    • Applicants must have not owned or co-owned a home in the last 3 years.

Contact us if you wish to apply.  Or print and complete these forms:

Once complete, please mail the forms to our office at:

Habitat for Humanity of North Augusta
P.O. Box 8121
North Augusta, SC 29861