Application window to reopen Monday Sept 8, 2025
Information Meetings
- Wednesday Sept 3, 2025, 12:00pm-1:00pm - via Teams
- Thursday Sept 4 2025, 5:00pm-6:00pm -In Person at One Stop Shop, 15029 14th Street, Dade City, FL 33523
Information Meetings are not required for applicants but recommended. Applications will be available from Sept. 8th-Oct. 1st.
⚠️ All applications must be submitted by Wednesday, October 1st at midnight.
Appointments
From Sept. 8 – Oct. 1, appointments will be available for anyone who needs accommodations or technology support.
We want this process to be open and accessible to everyone. If you have questions or need special accommodations, please reach out to Jere Ferguson at jferguson@habitatpasco.org or (352) 437-5383.
Basic Requirements
- You must have lived or worked in our service area for at least a year (east and central Pasco County)
- You must be a US citizen or permanent resident
- You must have two years of verifiable income and the ability to repay the mortgage
Income Requirements
| Number of people living in the home | Minimum yearly income | Maximum yearly income |
|---|---|---|
| 1 person | $32,000 | $58,450 |
| 2 people | $32,000 | $66,800 |
| 3 people | $32,000 | $75,150 |
| 4 people | $32,000 | $83,450 |
| 5 people | $32,000 | $90,150 |
| 6 people | $37,000 | $96,850 |
| 7 people | $41,000 | $103,500 |
| 8 people | $46,000 | $110,200 |
*subject to change, (last updated April 2025)
Thank you for your interest in working with Habitat for Humanity for your homeownership journey. Below, you’ll learn how Habitat for Humanity partners with people, families and individuals.
Explore the homeownership program
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Steps to homeownership
Habitat walks lockstep with each family as they invest hard work during their path to homeownership. From attending homeowner courses to helping to build their own homes of the homes of others, each step empowers future homeowners and helps foster the skills they need to succeed.
We manage the homeowner selection process at the local level, from initial inquiry to closing.
Interested in learning how to become a Habitat homeowner? Follow along below!
Jump to:
Step 1: Inquire | Step 2: Apply | Step 3: Interview | Step 4: Approve | Step 5: Participate | Step 6: Close | Step 7: Move in
A decent home gives us the space and stability we need to be healthy, resilient and build the life we choose — whether that’s creating community, building wealth or raising a family.
Benefits of building your home with Habitat for Humanity of East and Central Pasco County:
- Affordable mortgage – predictable payments that fit your budget
- Path to homeownership – stability and security for your family
- Financial independence – invest in your future, not rent
- Generational wealth – build equity to pass on
- Water Star® certified home – designed for water efficiency
- Fortified construction standards – stronger, safer homes
- Homebuyer education – tools and training for successful ownership
- Whirlpool® ENERGY STAR® appliances – quality and energy savings
- Home warranty included – peace of mind after move-in
Where we build
Our service area includes Pasco County east of the Suncoast Parkway, we have built in areas such as: Zephyrhills, Dade City, Wesley Chapel, Land O’ Lakes, Spring Hill, Crystal Springs, and Lacoochee.
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Click to enlarge map
Our service area includes Pasco County east of the Suncoast Parkway, we have built in areas such as: Zephyrhills, Dade City, Wesley Chapel, Land O’ Lakes, Spring Hill, Crystal Springs, and Lacoochee.
We follow a nondiscriminatory policy of homebuyer selection and are accountable to mortgage lending laws.
Habitat for Humanity does not give away houses; instead, future homeowners build alongside us and volunteers to build or rehabilitate a home in a place they love to live. Habitat for Humanity increases access to affordable homes and affordable credit, especially among people locked out of the housing market.
We are committed to removing barriers to homeownership.
Frequently asked questions
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Can I apply if I’m single, don’t have children, or am disabled or retired?
Yes. We are an equal housing opportunity provider and do not discriminate based on family status, disability, or marital status. You may apply as long as you meet our three main criteria:
- Need for housing
- Ability to repay the mortgage
- Willingness to partner with Habitat for Humanity
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Can I apply with an Employment Authorization Document (EAD)?
No. You must be a U.S. citizen or have a valid permanent resident card (green card).
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Can I apply if only one spouse is a citizen or permanent resident?
No. Both spouses must meet the citizenship or residency requirements.
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Can I apply if I’m separated but not legally divorced?
No. You must have a finalized divorce decree to apply.
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I recently started a new job. How long must I be employed before applying?
At least three months with your new employer. If changing roles within the same company, you may apply immediately.
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Does child support count toward income?
Yes, if court-ordered and consistent. Informal or undocumented payments do not count.
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Are food stamps counted as income?
No. Food stamps are not considered income for application purposes.
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Can I apply if I previously owned property?
Yes, if it’s been at least three years since the property was sold or transferred.
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Can I apply if I’ve filed for bankruptcy?
Yes, depending on the type:
- Chapter 7: Three years after discharge
- Chapter 13: Seven years after discharge
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Do you look at my credit score? Is there a minimum?
Yes, but the score itself isn’t a deciding factor. We review credit history and debt-to-income (DTI) ratio.
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Will issues like collections or student loans affect my application?
Possibly. A strong repayment history is important.
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How long after approval will I move into my home?
Typically 8–12 months, but timelines vary based on availability and completion of requirements.
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Do I get to choose my home’s location?
Yes, from available inventory once program requirements are partially completed.
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How much will I pay monthly?
Payments are tailored to your income and will not exceed 30% of monthly income.
-
Are Habitat homes part of an HOA?
Some new homes are in subdivisions with HOAs or COAs, though some may not be.
General Eligibility
Can I apply if I’m single, don’t have children, or am disabled or retired?
Yes. We are an equal housing opportunity provider and do not discriminate based on family status, disability, or marital status. You may apply as long as you meet our three main criteria:
- Need for housing
- Ability to repay the mortgage
- Willingness to partner with Habitat for Humanity
Can I apply with an Employment Authorization Document (EAD)?
No. You must be a U.S. citizen or have a valid permanent resident card (green card).
Can I apply if only one spouse is a citizen or permanent resident?
No. Both spouses must meet the citizenship or residency requirements.
Can I apply if I’m separated but not legally divorced?
No. You must have a finalized divorce decree to apply.
Employment and Income
I recently started a new job. How long must I be employed before applying?
At least three months with your new employer. If changing roles within the same company, you may apply immediately.
Does child support count toward income?
Yes, if court-ordered and consistent. Informal or undocumented payments do not count.
Are food stamps counted as income?
No. Food stamps are not considered income for application purposes.
Property Ownership and History
Can I apply if I previously owned property?
Yes, if it’s been at least three years since the property was sold or transferred.
Can I apply if I’ve filed for bankruptcy?
Yes, depending on the type:
- Chapter 7: Three years after discharge
- Chapter 13: Seven years after discharge
Credit and Debt
Do you pull my credit score? Is there a minimum?
Yes, but the score itself isn’t a deciding factor. We review credit history and debt-to-income (DTI) ratio.
Will issues like collections or student loans affect my application?
Possibly. A strong repayment history is important.
Homeownership
How long after approval will I move into my home?
Typically 8–12 months, but timelines vary based on availability and completion of requirements.
Do I get to choose my home’s location?
Yes, from available inventory once program requirements are partially completed.
How much will I pay monthly?
Payments are tailored to your income and will not exceed 30% of monthly income.
Are Habitat homes part of an HOA?
Some new homes are in subdivisions with HOAs or COAs, though some may not be.
