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Selection Criteria

Homeowner Services

Do You Qualify?

You may qualify for a Habitat Home if; 

  • You are currently living in sub-standard, crowded or temporary housing.
  • You cannot get a government or bank loan.
  • You are a first-time homeowner. 
  • You have sufficient income to repay the Habitat for Humanity NO INTEREST mortgage.
  • You agree to partner and complete sweat-equity (volunteer) hours with Habitat for Humanity.
  • You have lived or worked in Hernando County for the past 12 months.
  • You have 12 months continuous employment in the same field.
  • You are not on parole or probation.
  • You are not a convicted felon.
  • Your debt-to-income ratio is not more than 40%. 
  • You meet the financial guidelines as required by HUD. 
  • Need.

    If shelter is not permanent or the residence is inadequate for the family then there is need.

    Overcrowded, substandard housing is an example of need that is acceptable by Habitat for Humanity of Hernando County.

  • Ability to pay.

    In order to be applicable for a Habitat Home, your income must fall within the guidelines provided by HUD.

  • Willingness to partner.

    Habitat homeowners work on their own homes as well as homes for others through sweat-equity hours. Sweat-equity allows our partner families the opportunity to work on their own homes and work alongside their neighbor. Sweat-equity hours can also be completed in our ReStores and in our office.

2019 HUD Guidelines

Family Size Minimum Income (Monthly) Maximum Income (Monthly)
1 person $1,171 $3,121
2 people $1410 $3,567
3 people $1,778 $4,013
4 people $2,146 $4,459
5 people $2,515 $4,817
6 people $2,883 $5,175
7 people $3,251 $5,530
8 people $3,620 $5,888
9 people Refer to HUD $6,244
10 people Refer to HUD $6,601

Habitat follows HUD Equal Housing non-discrimination guidelines.

Homes built under this program are:

1070 square feet, 3 bedroom 2 bath

1170 square feet, 4 bedroom 2 bath

These numbers are subject to change.

Applicants who feel they qualify should apply for one of our orientations. We will be hosting orientations on the last Thursday of every month. For more information, please contact the office at 352-754-1159 or by email at