Homeowners

Our homeowners are the reason we do what we do. Purchasing a Houston Habitat home is a partnership – not just a mortgage! We offer 3- or 4- bedroom homes with no down payment, and a 0% interest rate.

If you meet the criteria and are selected as a Family Partner, we will ask you to participate in homeowner training classes and complete 300 hours of “sweat equity” – helping to build your home or your neighbors’ homes and in our office or retail store.

Those wishing to apply for a Houston Habitat home should review the criteria listed below and check our website frequently. We accept applications only during application fairs – typically held twice per year.

Families need to meet the following criteria in order to qualify for the Habitat for Humanity program:

		Need for Adequate Shelter: Currently living in unsafe, sub-standard or subsidized housing.
		Willingness to Partner: Must contribute 300 hours of “sweat equity”. Must complete the Pre-Closing program, which includes financial counseling, home management and maintenance, and other Habitat activities.
		Ability to Pay: Must have proof of steady income, have satisfactory credit history (minimum 585 credit score), and fall within Houston Habitat's income standards. We strive to serve families whose incomes do not exceed 80% of the area media income, as defined by U.S. HUD. Must contribute at least $3,000.00 of closing costs. Must have the ability to make monthly mortgage payments including escrow fees.

Our focus is to serve families that are 50%-80% of
area median income.

	Family Size	50%	60%	80%
	1	$23,450	$28,140	$37,450
	2	$26,800	$32,160	$42,800
	3	$30,150	$36,180	$48,150
	4	$33,450	$40,140	$53,500
	5	$36,150	$43,380	$57,800
	6	$38,850	$46,620	$62,150
	7	$41,500	$49,800	$66,350
	8	$44,200	$53,040	$70,650

Equal housing opportunity for potential homeowners:
Houston Habitat for Humanity is an equal opportunity builder and complies with the Federal Fair Housing Act in the marketing, sale, and purchasing of properties. All qualified applicants will receive consideration for homeownership without regard to race, color, religion, national origin, sexual orientation, marital status or gender identity.

Questions? Contact Betty Barrientos at bbarrientos@houstonhabitat.org.

Helpful Information

Read the FAQ’s of home
ownership with Houston Habitat

Family Selection Criteria