Homeownership


We are not accepting applications or mailing any out at this time. However, all are welcomed to read more about our program and be placed on our waiting list if you desire. 

Eligibility RequirementsHomeowners

Homeownership applicants must:

  • Live or work in Durham County for at least 6 months
  • Be A US Citizen or permanent resident
  • Have a stable income of at least $1,458 per month, but earn less than 60% of Durham's median income
  • Be able to provide closing cost of $2,000. 
  • Demonstrate that your current housing is overcrowded, physically substandard, too expensive, unsafe or prove that you are living in subsidized housing
  • Demonstrate a willingness to partner by performing at least 250 hours of sweat equity

Expectations

If you are approved, you will be expected to:

  • Invest a minimum of 250 sweat equity 
  • Complete a financial literacy program
  • Make timely mortgage payments each month
  • Maintain your home
  • Be an active member of the Durham community
  • Stay connected to Durham Habitat throughout the term of your mortgage

The 4 Step Process to Homeownership

Once we begin to accept applications, the homeownership process typically takes between six and twelve months. 

1. Join our Waiting List

The information that you submit will be sent to us and placed on our wait list. The wait list let's us know that you would like to be invited to an information session.

2. Attend an Information Session

Once the application process is reopened, we will invite you to attend an information session to learn about our program and the requirements. At the end of the session you will have an opportunity to complete a pre-qualifying application and turn it in or mail it to our office.

If you are pre-qualified, Habitat will mail you the full Homeownership Application. 

If you are not pre-qualified, Habitat will mail you a letter of explanation and suggested next steps. Families are welcomed and encouraged to start the process again upon resolution of denial issues. 

3. Home Visit

If your Homeownership Application is approved, a volunteer on Durham Habitat's Family Selection Committee will contact you to schedule a home visit. Pending approval by this committee, your application will be referred to the Durham Habitat Board of Directors for final approval. 

If your Homeownership Application is not approved, Habitat will mail you a letter of explanation and suggested next steps. Families are welcomed and encouraged to start the process again upon resolution of denial issues. 

4. Final Approval

If you are approved by Durham Habitat's Board of Directors, you are invited to begin your partnership with Durham Habitat!

Click Here to Join Our Waiting List

Please contact a member of our Family Services department at 919-682-0516, with any questions. 

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Habitat Success Stories

Alicia partnered with the Catholic Coalition to build a Habitat home in Southwest Central Durham. Alicia enjoyed putting more than 250 hours of sweat equity into her home, saying "I know every beam in my house."

Alicia