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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 12,450 1,038 33,150 2,763
2 people 16,020 1,335 37,900 3,158
3 people 20,160 1,680 42,650 3,554
4 people 24,300 2,025 47,350 3,946
5 people 28,440 2,370 51,150 4,263
6 people 32,580 2,715 54,950 4,579
7 people 36,730 3,061 58,750 4,896
8 people 39,100 3,258 62,550 5,213

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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    Withlacoochee River Electric
  • Hernando County Association of Realtors
    Hernando County Association of Realtors
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    Oak Hill Hospital
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    SPR-FIELD
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