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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 12,600 1,050 33,500 2,792
2 people 16,240 1,353 38,330 3,194
3 people 20,420 1,702 43,100 3,592
4 people 24,600 2,050 47,850 3,988
5 people 28,780 2,398 51,700 4,308
6 people 32,960 2,747 55,550 4,629
7 people 37,100 3,092 59,350 4,946
8 people 39,500 3,292 63,200 5,267

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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