01

Need for Housing

Is your current housing run down, overcrowded, or is the rent too high?

02

Ability to pay a monthly mortgage.

You must have steady income and good credit to qualify for a USDA/RD 502 low-interest loan. Your family income must also meet HUD income guidelines:

# in Household

1 person  

2 persons 

3 persons

4 persons

5 persons

6 persons 

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Income Range

$20,900-$33,400

$23,850-$38,200

$26,850-$42,950

$29,800-$47,700

$32,200-$51,550

$34,600-$55,350

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Credit problems? Habitat can help you to get your finances under control! 

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Mortgage payments for a Habitat home are often less than rent. 

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03

Willingness to Partner with Habitat.

Your family and Habitat will become a team. You must be willing to help build your house, attend classes, and provide necessary information when needed.