Apply to Our Program to Have Your Own Home

About the Homeownership Program

Habitat for Humanity offers low-income families the opportunity to own a home. Becoming a Habitat homeowner requires commitment, responsibility, and deep involvement.

In order to partner with us, you must meet the following preliminary criteria:
1. Be a legal permanent resident of the United States.
2. Be a first-time homeowner.
3. Have lived or worked in our county for at least 12 months.
4. Yearly income must fall within our income guidelines, which are adjusted for family size (refer to Income Table on the Selection Criteria page).
Income includes wages, Social Security, disability, SSI, TANF, and child support.
5. Must have one year of continuous income.
6. Must have acceptable credit. It must be at least two years since bankruptcies have been discharged and consistent payments on debts must be made.

7. Must have a need for housing because current housing is unaffordable, unsafe, or overcrowded.
8. Must be willing to partner with Habitat for Humanity and contribute “sweat equity hours,” including helping to build the home as well as other families’ homes, volunteering in the ReStores, and attending a series of educational workshops.

Homeownership is an exciting milestone in an individual's life, and Habitat for Humanity was created to help bring this exciting journey to those who may otherwise be unable to afford it. Following the criteria given to us by Habitat for Humanity International, we offer those in our county another option in obtaining a home. We help those in our county who fit the guidelines of HUD and Habitat for Humanity International the chance of owning their own home. If you are interested in our program or have any questions, please reach out to the office at (352) 754-1159.

Selection Criteria

As we are an affiliate residing in Hernando County, we have a selection criteria based on Habitat for Humanity International and Housing and Urban Development (HUD) for our Homeownership Program. Our criteria is based on five major categories;

  • Following of HUD guidelines

  • Debt to Income Ratio

  • Being a First-Time Homeowner

  • Willingness to Partner With Habitat

  • Resident of Hernando County for More Than 12 Months

HUD provides guidelines for our organization to follow. We accept income that is between 30% and 80% of the median income of Hernando County as a whole. Below is the monthly income that we accept. If you call between the minimum and maximum monthly income, you may be applicable for a Habitat home.
We also look for the need of the family, ability to pay the mortgage, and willingness to partner with Habitat. We also run a credit report and background check.

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.

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

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.

We do a credit report and background check on all of our applicants. In order to do this we require a $30 payment for each applicant in order to pay for the credit report. (e.g. A single applicant would pay $30 while a dual applicant would be paying $60.)

We are unable to accept applicants who are convicted felons or sex offenders. If in the case there has been any charges made against the applicant, we require paperwork explaining the charge.



1 Person $1,171 $3,121
2 People $1,410 $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

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 familyservices@habitathernando.org.

Homeownership Orientation

Our homeownership process is currently at capacity.  We will notify you once we have homeownership availability. Please follow our Facebook page for updates regarding our program.

If you have any questions, please give us a call at (352) 754-1159 or email familyservices@habitathernando.org