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Minimum qualifications
- Applicant must be a U.S. citizen or legal permanent resident
- Must live or work in east or central Pasco County for at least one year
- Minimum annual income of $32,000*
- Willingness to participate in Sweat Equity — helping build homes and attending required classes
* Income requirements may vary based on debt and other financial factors
Income guidelines
Number of people that will be 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)
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.
Thank you for your interest in working with Habitat for Humanity for you homeownership journey. Below, you’ll learn how Habitat for Humanity's partners with people, families and individuals.
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.
Learn more about our homeownership process:
- Qualifications: Check out the Habitat homeowner qualifications to learn how a person qualifies to purchase a home.
- Partnering with Habitat: This page describes how homeowners build alongside Habitat for Humanity.
- Build financial independence: Homebuyers complete financial education before purchasing a Habitat home. These courses empower people and help them live their life on their own terms.
Benefits of building your home with Habitat for Humanity
- Affordable mortgage
- Own your home
- Build financial independence
- Build generational wealth
- Water Star certified home
- Fortified Building standards
- Homebuyer education
- Whirlpool Energy Star appliances
- Home Warranty
FAQ
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.
