Homeownership

Applicants must meet Eligibility Requirements and attend an Application Workshop to submit an application for a Habitat home. Application Workshops are held periodically, this site for work shop notices.

 

To qualify, a family must:

Have a housing need.

You must be living in something substandard, overcrowded or unsafe. Examples: a leaky roof, no indoor plumbing, poor heating, exposed electrical wires, structural damage, black mold, etc.

Your Income

You must have a steady income in order to make their monthly mortgage payments. The family income must fall within these income limits based on the number of people in the family:

 

Number of People

1

2

3

4

5

6

7

Minimum Income

$12,900

$14,750

$16,600

$18,400

$19,990

$21,350

$22,850

Maximum Income

$25,800

$29,500

$32,200

$36,800

$39,800

$42,700

$45,700

(If your family size is more than 7 people, please call the Habitat office for income limits).

Be willing to “Partner”

Completing 350 hours of sweat equity for a single parent family or 700 hours for a two parent family, attend financial and homeowner education classes. All hours of sweat equity will be performed prior to the family moving into the house. Sweat equity hours can be earned by working in the habitat office, the ReStore, attending monthly classes and construction activity.

Berkeley County Residents

Be a resident of Berkeley County for a period of at least twelve months or work in Berkeley County for the last two years.

Berkeley County Residents

Your credit score must be 550 or greater.