Do I Qualify for the Homeownership Program?

NOTICE: We are not currently distributing or accepting new applications for the Homeownership Program.

To be added to a waiting list please contact Amanda Adams, Family Services Coordinator at amanda@sehabitat.org or at (541)741-1707.


Springfield/Eugene Habitat for Humanity uses three criteria in selecting individuals and families for the Homeownership Program: Need, Willingness to Partner, and Ability to Pay.

1. NEED

  • To qualify, a family’s gross income (before taxes) must be between the income limits listed below, which are based on HUD guidelines. (See table below for income limits).
  • Their current housing must be insufficient due to overcrowding, temporariness, defective and unsafe conditions, or other reasons.
  • Family may be paying significantly more than 30% of their gross income for rent.

2017 INCOME GUIDELINES:

Household Size Minimum Income Required Maximum Income Allowed
1 $16,520 $24,780
2 $18,880 $28,320
3 $21,240 $31,860
4 $24,600 $35,400
5 $28,780 $38,230
6 $32,960 $41,060
7 $36,600 $43,900
8 $38,950 $46,730

2. WILLINGNESS TO PARTNER

  • Partner Families must invest volunteer hours, or “sweat equity” with Habitat. Sweat equity can be earned through construction of your home and homes of others, working in the Habitat office and/or helping with special events. Families complete a minimum of 300-500 hours (depending on family configuration) prior to moving in.
  • Partner Families must be willing to participate in a variety of Homeownership Education Classes. These sessions include home maintenance, budgeting, repairs and other topics.  Families also participate in a quarterly review of their financial documents.
  • Families must be willing to participate in raising awareness about Habitat through participating in events and telling their story.

3. ABILITY TO PAY

  • The income stability of applicants will be examined, including credit history and debts. Successful applicants may not have any bankruptcies or foreclosures within the previous 24 months.
  • Other factors affecting an applicant’s ability to pay the low-interest mortgage will also be considered.

Families must currently live or work in the Eugene/Springfield area to be selected as a Partner Family. They must also be citizens or legal permanent residents of the United States.

EqualHousing

This is an Equal Housing Opportunity.  Habitat for Humanity does business in accordance with the federal Fair Housing law.  We do not discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin. 

Learn more about our application process.