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Selection Criteria

Homeowner Services

Do You Qualify?

Would you like to live in a simple, decent, affordable home?

HABITAT FOR HUMANITY OF HERNANDO COUNTY WILL ACCEPT AN APPLICATION FROM YOU IF YOU MEET THE FOLLOWING REQUIREMENTS.

  • You are currently living in sub-standard, crowded or temporary housing.
  • You can’t get a government or bank loan.
  • You have sufficient income to repay the Habitat NO INTEREST mortgage.
  • You agree to partner with Habitat for Humanity.
  • You have lived or worked in Hernando County for the past 12 months.
  • You have 12 months continuous employment.
  • You are not on parole or probation.
  • You are not a registered sex offender, sexual predator or convicted drug dealer.
  • Your debt to Income ratio is not more than 40%.
  • You meet the financial requirements.
  • Need.

    Families often need a home because their current housing isn't viable. It may be overcrowded, too expensive, structurally unsound, or located in a dangerous neighborhood.

  • Ability to pay.

    You must be able to afford a monthly mortgage payment. See the chart below for some guidelines.

  • Willingness to partner.

    Habitat homeowners work on their own homes as well as homes for others.

General Financial Requirement

Family Size Low Low High High

Annual Monthly Annual Monthly
1 person $13,450 $1,121 $35,800 $2,983
2 people $16,460 $1,372 $40,900 $3,408
3 people $20,780 $1,732 $46,000 $3,833
4 people $25,100 $2,092 $51,100 $4,258
5 people $29,420 $2,452 $55,200 $4,600
6 people $33,740 $2,812 $59,300 $4,942
7 people $38,060 $3,172 $63,400 $5,283
8 people $42,220 $3,518 $67,500 $5,625

Habitat follows HUD Equal Housing non-discrimination guidelines.

Homes built under this program are 1070 square feet, 3 bedroom 1 1/2 bath.

These numbers are subject to change.

Applicants who feel they qualify should fill out the online Homeownership Initial Application Form

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