Homeownership

 

Applications for Homeownership will be accepted online starting Friday, November 27 

Review the information below to see if our program is right for you. 


  


What is the Habitat for Humanity Process? 

The Habitat for Humanity program is designed for people looking to purchase their first home. Find out what it takes to become a Habitat Homeowner! 

 

Do You Qualify? 

You must meet the minimum requirements to be approved for Durham Habitat's homeownership program.

You must:

  • Have lived or worked in Durham County for at least six months
  • Be a US Citizen or permanent resident
  • Have a stable income of at least 30% of Durham's median income

You must earn at least the monthly amount listed below for your family size. For families larger than 5, call our office at 919-682-0516. Please note, the amounts listed are gross (before taxes and deductions) amounts. Click here to learn more about income limits.

People in Household

2020 Monthly  Income

1

$1,591.66

2

$1,816.66

3

$2,045.83

4

$2,270.83

5

$2,454.16

 
During the application process your current financial situation will be reviewed to determine if you are mortgage ready. 

Check out the videos below to learn about our program's income requirements and how debt affects your application. 

 

Sweat Equity

One of the ways Durham Habitat makes homeownership affordable is that we do not require a down payment to purchase a home. Instead, program participants are required to complete sweat equity. Learn more about our sweat equity process below. 

 

Next Steps

Come back to our website on November 27 to apply online. 

If you would prefer a Spanish application, please call our office at 919-682-0516. 

After your application is submitted you will receive a response within 30 days. 

If selected to move forward with the application process, the following documents will be required: 

  • Two months or 60 (sixty days) of income including:
    • pay stubs
    • SSI
    • SSDI
    • pension
    • child support (not required)
    • alimony (not required)
  • Bank statements from the past two months
  • A complete list of your monthly debt payments and their balance
  • Contact information for all of your debts
  • W2's for the past two years of employment (including profit and loss statements for work like Uber or Lyft)
  • Tax return information for the past two years (including Form C for work like Uber and Lyft)
  • Tax Return Transcipts for the past two years
  • Contact information for your employer(s) for the past two years
  • Contact information for your landlord(s) for the past two years

 If you have questions about the application process please email us [email protected]

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Habitat Success Stories

Lucy has led construction volunteers in more than five Women Builds. A civil engineer, Lucy has volunteered to teach hundreds of neighbors who have no construction experience how to build beautiful homes, and she can teach you as well.

Lucy