Examples of Program Qualifications

  • Are You Ready To Provide A Safe, Decent, Affordable Home For Your Family?

  • Are you unable to obtain a conventional home loan?

  • Is your current home overpriced, overcrowded or in disrepair?

  • Are you willing to help us build your new home?

  • Are you able to make monthly mortgage and escrow payments?

  • Are you a veteran, elderly and/or disabled?

  • If You Meet Any of This Criteria or Have Any Questions, Contact Us Today For More Information.

1. There Must Be A Demonstrated Need In Order To Qualify For A Habitat Home

Need is determined by a family's current living conditions.

Some examples of need are outline below (this list is not all-inclusive).

Structural/mechanical problems in building:

  • visible holes or large cracks
  • leaks, hazardous/toxic materials
  • electrical problems
  • plumbing problems
  • appliancesnot working

Inadequate sleeping arrangements:

  • more than 2 persons share a room
  • different gendered children sharing a room
  • persons 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 currently living with relatives
  • family in emergency shelter
  • homelessness

Current housing does not meet the physical needs:

  • do you need a ramp to enter your house
  • do you need handicap accessability within your home

Unable to obtain a conventional mortgage

2. Ability to Pay

Ability to pay is determined by information provided and collected during the application process.

Information on the paper application, pay stubs, benefit statements, previously filed federal tax returns, and credit reports are examples of the resources used to determine this ability.


  • a steady, reliable source of income and demonstrate financial responsibility (including state and/or federal aid)
  • the ability to pay a monthly house payment at approximately 25% of gross monthly income (taxes and insurance included)
  • the ability to pay projected monthly utilities (electric/gas & water/sewer)
  • bankruptcy restrictions may apply, check with your local affiliate
  • do NOT have outstanding collections, liens or judgments that cannot reasonably be paid by the completion of the home build
  • qualifications vary by individual affiliate

3. Proof of Residency

All applicants must provide documentation of residency and eligibility to work in the US.

One of the following documents is accepted as proof of both residency and eligibility:

  • US Passport
  • Permanent Resident Card
  • Alien Registration Receipt Card (Form I-551)
  • Foreign Passport with temporary I-551 stamp or temporary I-551 printed notation on a machine-readable immigrant visa
  • Unexpired Employment Authorization Document with a Photo ID (Form I-766)
  • Unexpired Foreign Passport with Form I-94
  • Passport from Federated States of Micronesia or the Republic of the Marshall Islands with Form I-94 or Form I-94A indicating nonimmigrant admission under the Compact of Free Association Between the United States and the FSM or RMI.

If one of the above cannot be provided, one document from each category below is required:

Category 1

  • Driver’s License
  • Federal, State, or Local Government ID Card
  • Voter’s Registration Card
  • School ID card with a photograph
  • Native American tribal document
  • U.S. Military identification card/ Military Dependents ID card
  • U.S. Coast Guard Merchant Mariner Card
  • Canadian Driver's License

Category 2

  • Social Security Card
  • U.S. Birth Certificate
  • Certification of Birth Abroad (Form FS-545)
  • US Citizen ID Card (Form I-197)
  • Resident Citizen ID Card (Form I-179)
  • Unexpired Employment Authorization by Dept. of Homeland Security
  • Native American tribal document
  • Certification of Report of Birth (Form DS-1350)
  • Native American Tribal document
  • Employment Authorization document issued by the Dept. of Homeland Security

4. Willingness to Partner

A partner family must be willing to complete "sweat-equity" hours.

"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.

  • Hours and methods of completion of "Sweat-equity" hours vary by affiliate.
  • A portion of the sweat equity hours can be completed by family and friends.
  • All of the hours must be completed before the partner family can purchase the home.

In addition, the partner family must also be willing to attend home buyer education classes.


In general, it’s housing for which the occupant(s) pay no more than 30 percent of their income for gross housing costs, including utilities.