About Our Program

How Habitat for Humanity Homeownership Works

Habitat for Humanity of Delaware & Union Counties homes are sold to approved applicants at fair market value with zero-interest mortgages.

Approved applicants are required to make an $800 down payment to purchase the house. A $100 deposit is due when accepted into the program and the remaining $700 is due when closing on the home.

Habitat for Humanity of Delaware & Union Counties volunteer Homeowner Selection Committee reviews all completed applications and supporting documents.

Once accepted in the program it may take up eighteen months before your family’s home is completed.


The Selection Process

The selection process begins with the Habitat for Humanity of Delaware & Union Counties Homeowner Selection Committee. The final decision to accept or refuse full applications is also the responsibility of the board of directors. The board will not approve an applicant the Homeowner Selection Committee has not first approved. This procedure should guarantee that the decision is a consensus between the board and the Homeowner Selection Committee.

The selection process may take two to three months.


Homeowner Selection Committee

  • Comprised of no less than six (6) volunteers.
  • Meets monthly with meetings cancelled or added as necessary.
  • Conducts a unified review process of each application.
  • Visits the homes of applicants for the purpose of determining the applicant’s suitability for the homeownership program.

Qualifications

Habitat homeownership is based on the:

  • NEED for housing
  • ABILITY to repay a mortgage
  • WILLINGNESS to work in partnership with Habitat for Humanity of Delaware & Union Counties

You may qualify for Habitat homeownership program if:

  • You are currently living in substandard housing such as a leaking roof, overcrowded conditions, unsafe Neighborhood or are cost burdened (spending more than 30% of your gross income on rent.
  • You have a satisfactory credit history, reasonable debt, and a steady income within 30-60% of the median area Income.

Delaware County Gross Annual Income

Union County


Gross Annual Income

 

  • You are willing to partner with us and invest 300 sweat equity hours by attending home buyer education classes, volunteering on the construction of your home or other Habitat homes, and participating in other Habitat program activities.
  • You are able to make an $800 down payment to purchase the home — a $100 deposit due when you are accepted into the program and the remaining $700 when you close on your home.