Build a Home

How to Qualify

The Bay Area Habitat for Humanity qualification process is unique; unlike other loan programs, your approval is not credit score driven. A comprehensive evaluation of your personal financial situation, including income and monthly budget, is evaluated to determine your ability to make an affordable monthly mortgage payment. Additionally, families interested in purchasing a home through Bay Area Habitat must meet certain criteria.

This includes, but not limited to:

  • U.S. citizenship or permanent residency
  • Agreement to complete sweat equity hours
  • Current employment and ability to make monthly payments of $550 – $650 and a one time $900 closing payment.

To qualify and apply to become a Habitat partner family you must meet the 3 main requirements:

1. Need for Shelter

For example: broken plumbing, poor heating, leaks in the roof, overcrowding, unsafe or unsanitary conditions or dislocated as a result of a natural disaster.

2. Willingness to Partner

If you are approved for a Habitat home, we require that members of your household be willing to give 300 hours of “sweat equity” building your home as well as other Habitat homes. Accepted Partner Families are also required to attend specific financial budgeting and homeownership courses. (Hours are granted for these courses.) 150 of those hours must be completed before being assigned a specific house address. Your willingness to fully participate in Habitat’s program is very important.

3. Ability to Pay

Your family’s gross income must fall within the guidelines of the chart below. Income includes wages, social security, food stamps, disability and child support.

Income Guidelines:

Family Size Minimum Income Year Maximum Income Year
1 $22,222 $40,040
2 $25,397 $45,760
3 $28,571 $51,480
4 $31,746 $57,200
5 $34,286 $61,776
6 $36,825 $66,352
7 $39,365 $70,928
8                        $41,905                                    $75,504

Habitat offers monthly informational sessions to explain the Habitat program model

and requirements to potential new families. To register, please email to info@habitat.org

and we will send you a formal invitation for the orientation.