Apply to be a Homeowner

Click here to download an application for a home
Haga clic aquí y descargue la solicitud

Supporting Documents*
Documentos Requeridos con la solicitud*

* Please bear in mind that you do not have to have all of the supporting documents in order to begin the application process. The complete list can be overwhelming, and we are here to make sure that you are able to complete the process. Get in touch to discuss the requirements if you’re interested in applying!


Selection is based on the following criteria:

Need for adequate housing

  • Lack of decent and safe living conditions
  • Overcrowded housing conditions
  • Unsafe neighborhood
  • Excessive home rental expense. A family should not have to spend more than 35% of its income for housing, not including utilities
  • An income too low to secure conventional financing from a traditional lending institution

Ability to pay

The gross household income must be between 25 and 60% of the median income for Chatham County for the past year. The median income figure varies depending on the size of the family, not including utilities. See the chart below for information about Median Income.

2017 Median Income for Chatham County: $73,300

Family Size 25% of median income 60% of median income
1 $12,900 $30,800
2 $14,700 $35,200
3 $16,500 $39,600
4 $18,300 $44,000
5 $19,800 $47,500
6 $21,300 $51,000
7 $22,700 $54,500
8 $24,200 $58,100


These income guidelines are subject to change annually based on HUD’s new income guidelines.
  • Monthly long-term debt payments, including estimated mortgage payment, should be less than 41% of your family’s income.
  • You have an acceptable credit history and a good record of paying rent and utilities on time.
  • You are willing to combine delinquent accounts, if needed, into a repayment agreement and make timely payments for six months to demonstrate your financial responsibility.
  • You can afford a mortgage payment of $460 to $590 per month.
  • You are willing to save save $1300 to $1,500 in a Habitat escrow account to go toward closing costs.

Willingness to partner

  • You are willing to work cooperatively with the sponsoring organization, other donors, and volunteers.
  • Your family is willing to contribute contribute a minimum of 350 hours of sweat equity toward the building of your Habitat home.  A portion of these hours must be performed by the head(s) of household. Family and friends can chip in on the rest.
  • You are willing to participate in classes that will help prepare you for homeownership and for being part of a community.
  • You are committed to making timely house payments and to maintaining your home.
  • You are committed to your new community and will work to keep it safe.
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Are you going to #pepperfest at @BriarChapel this weekend? So are we! Stop by our table to learn more about Chatham Habitat, and get your ticket from @abundancefound to support our area’s other great nonprofits!

About 2 days ago · reply · retweet · favorite

“We love to donate time and money to Chatham Habitat. Our Partner families are people who want to help themselves. We want to help them, as we know it will transform their lives and the lives of their children. All you have to do is come to a homeowner dedication and it will change you too!” -Andy & Candida Cruickshank, longtime donors and volunteers