Homeownership application readiness
Homeownership Tools and Resources
Thinking about applying for Habitat homeownership? These tools can help you understand your income, credit, finances, and the homebuying process before you apply.
Important: These tools are for planning only. Habitat will review and verify your information during the application process.
Start here
Use these Habitat tools first to learn about the program and see if you may be ready to apply.
Check your eligibility
Answer a few questions to see if you may meet the basic requirements for Habitat homeownership.
Check your eligibility →Estimate your household income
Estimate your yearly household income and compare it with the current income limits.
Calculate your income →Learn the steps to homeownership
See what happens from application through closing on your Habitat home.
View the steps →Get financially ready
Find resources to help you understand credit, budgeting, debt, and other finances.
Check your credit report
Review your credit history and look for possible errors before you apply.
Get your free credit report →Learn about credit
Learn how credit works, what affects your credit history, and how to build healthy credit habits.
Credit basics | Fannie Mae →Build your money skills
Learn more about budgeting, saving, debt, taxes, and other personal finance topics.
Have student loans?
These resources can help you understand repayment, consolidation, and default options before you apply.
Learn about buying a home
Learn about affordability, mortgages, insurance, closing, and what to expect.
Estimate what you can afford
Use your income, debts, and other information to estimate a possible home price.
Mortgage affordability calculator →Take a free homebuyer education course
Learn about credit, mortgages, closing, and the responsibilities of owning a home.
Learn about mortgages and closing
Learn about mortgage options, closing costs, loan documents, and other homebuying decisions.
Buying a house | CFPB →Learn about homeowners insurance
Learn what homeowners insurance covers and why most mortgage lenders require it.
Homeowners insurance | CFPB →Know your rights and get help
Learn about fair housing, borrower protections, and other helpful resources.
Fair housing rights
Learn about federal fair housing laws and protections against housing discrimination.
Fair housing | HUD →Mortgage and closing protections
Learn about loan disclosures, closing documents, and protections for mortgage borrowers.
Know Before You Owe | CFPB →Resources for public housing residents
Learn about federal programs that may help eligible public housing residents become homeowners.
Homeownership information | HUD →About these resources
Links to outside websites are provided for education and planning. Habitat for Humanity of East and Central Pasco County does not control these websites. Listing a resource does not mean Habitat endorses the organization, product, or service.
Using these tools does not determine whether you qualify for Habitat homeownership. Habitat will review and verify eligibility during the application process.
Ready to take the next step?
See if you may meet the basic requirements for Habitat homeownership.
Check your eligibility →
