STEP 1: How to qualify

How to Qualify for Homeownership: To apply and qualify to become a Habitat homeowner you must meet the following three criteria and additional requirements:


Inadequate Housing
Problems with the present structure such as: water, electrical or sewage service system, heating, poorly maintained (substandard), or failure to meet city property maintenance standards
Family size compare to number of bedrooms in the home
Unable to obtain a mortgage through the Private Market
Applicant has been denied for a conventional or government assisted mortgage loan
Government Subsidized Rent
Living in a government-subsidized housing (i.e. Housing Authority, Section 8 housing)
Cost Burden
Cost of rent plus utilities is more than 30% of applicant’s monthly income
Currently living with a family member or friend


Income Requirements

  • Must demonstrate the ability to afford the projected Habitat no interest monthly mortgage payment (payment depends on size of the home, mortgage includes principal, taxes and homeowner’s insurance)
  • Must have a minimum of two years of continuous (must have at least six months with current employer) and documented income and currently earn a minimum annual gross income of $35,6224 to $37,512 (depending on the size of home that applicants qualify for)

*Gross income (before taxes and deductions are taken from paychecks)

We count income from job wages, court order child support, alimony, Social Security Survival benefits (SSDI), Supplemental Security Income (SSI) and Disability.

  • Monthly mortgage payment cannot exceed 30% of the applicant’s gross monthly income.
  • Monthly debts (those shown on credit history), including the mortgage payment, cannot exceed 43% of applicant’s gross monthly income.
  • Have the ability to save the $2,000 escrow down payment, $500 at approval and $1,500 before closing

Credit Check

Habitat will conduct a credit check. Medical debt is not taken into consideration and we do not look at credit scores. Instead, we consider your credit history. However, non-medical accounts in collection, charge-offs or unsatisfied public records need to be resolved prior to approval.

Bankruptcy release date must be at least four years old


Total Number of People in Household

Minimum Annual Gross Income

(depending on the size of home that applicants qualify for)

Maximum Income Limits*


$35,623 to $37,512



$35,623 to $37,512



$35,623 to $37,512



$35,623 to $37,512



$35,623 to $37,512



$35,623 to $37,512



$35,623 to $37,512



$35,623 to $37,512


Got Credit Issues?

If you have credit issues and would like assistance to help solve them, please contact one of the following HUD approved Credit Counseling Agencies for a free Budget and Credit Counseling:
Clear Point Credit Counseling Solutions
Debt Management Credit Counseling Corp
Ph: 1-866-724-3328
FREE Credit Reports. Federal Law allows you to:
  • Get a free copy of your credit report every 12 months from each credit report company (Equifax, TransUnion and Experian).
  • Ensure that the information on all your credit reports is correct and up to date.
You can request you free credit reports on below link.


Willing to complete the required 300 sweat equity hours to help build your own and other Habitat homes

Willing to attend the Homebuyer Education Workshop (spread out over three Saturday’s from 8:30 am to 4:30 pm)

Willing to complete the mentoring program


Applicants must be a first-time homeowners (cannot have owned a home within the past 3 years, except for a mobile home)

Applicants must maintain a primary residence in Martin County for the twelve (12) month period immediately prior to the application date or must work in Martin County for the twelve (12) month period immediately prior to the application date

All adults in the household must pass a criminal background check

All members in the household must be either US citizens or legal permanent residents (Have a Green Card)


 Habitat for Humanity is pledged to the letter and spirit of the U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to becoming a homeowner due to race, religion, sex, handicap, familial status or national origin.