We believe that everyone deserves a decent place to live, and that homeownership makes a difference—in communities, and families alike. Habitat for Humanity of New Castle County provides a hand-up not a hand-out to qualifying families who may not be able to qualify for traditional mortgage options. Our homeownership program is designed to prepare, educate, and assist individuals in their journey to becoming Habitat homeowners.
While all of our homeowners have different life circumstances, they all have these three important qualifications. The best way to find out if you qualify to for Habitat’s homeownership program is to attend an orientation.
Individuals who are interested in becoming a Habitat homeowner must meet HUD’s income guidelines listed below.
one
two
three
four
five
six
seven
eight
$25,000
$25,000
$25,000
$26,220
$27,000
$29,400
$31,350
$31,300
$37,860
$43,260
$48,660
$54,060
$58,440
$62,760
$67,080
$71,400
At our orientation, you’ll learn all about Habitat’s homeownership program, including the process, the requirements, and the what’s needed to qualify.
If you are unable to attend an orientation, carefully review our orientation powerpoint.
Your application will be reviewed by our Family Services team, and will require documentation such as your tax returns, pay stubs, etc.
Our Family Selection Committee will visit your current home to assess your need for housing and get to know you a bit better.
Your application and the results of your home visit will be reviewed and discussed by Habitat’s Board of Directors.
If you’re accepted – a Habitat staff member will notify you directly – and then the fun begins! If you are not accepted, don’t get discouraged – a member of our Family Services team can talk to you about ways to strengthen your application. Many of our Habitat homeowners apply for our program more than once before getting accepted.