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!

home-house

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.

2016 Median Income for Chatham County: $74,900

Family Size 25% of median income 60% of median income
1 $12,400 $29,700
2 $14,200 $33,900
3 $15,900 $38,200
4 $17,700 $42,400
5 $19,100 $45,800
6 $20,500 $49,200
7 $21,900 $52,600
8 $23,400 $56,000

 

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.
  • You are willing to combine delinquent accounts, if needed, into a repayment agreement and make timely payments for six months to demonstrate your fiscal responsibility.
  • You can afford a mortgage payment of $460 to $590 per month.
  • You are willing to save $900 to $1,000 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 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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Chatham Habitat for Humanity works in partnership with God and people to create self-help opportunities for families to own affordable homes, improve their lives, and strengthen their communities.