homebuyer program

IN ORDER TO APPLY TO PARTICIPATE IN OUR PROGRAM, YOU MUST ATTEND AN INFORMATIONAL MEETING.  During the meeting, we will fully explain our program and answer your questions.  Application packets are available at the meeting.

See informational meetings schedule at the bottom of this page.

WE BUILD HOMES IN FORSYTH COUNTY (Gainesville/Cumming) AND CHEROKEE COUNTY (Acworth/Canton/Woodstock) ONLY.  NO HOMES WILL BE CONSTRUCTED IN NORTH FULTON COUNTY IN 2018 OR 2019.

We post upcoming meeting dates on our website as they are scheduled.  If no meeting dates are listed, no meetings are scheduled at this time.  You may sign up for our e-newsletter on the home page of our website www.habitat-ncg.org or you may check the website monthly for future meeting dates.

 

qualify for the homebuyer program

  • Can you afford a monthly mortgage payment of approximately $650?
  • Can you afford a down payment of $1,250 (paid over 10 months)?
  • Can you demonstrate responsible money management/good credit?
  • Can you show a continuous source of income at the level required for the past 2 years? (see chart below)

In order to be eligible, you must be a citizen or permanent legal resident of the United States, demonstrate a need for housing (rent is high, housing is not safe or unhealthy, overcrowding, etc.), have the ability to pay affordable monthly mortgage payments, have lived or worked in the Atlanta metro area for at least one year, be willing to work (if you are physically able) on your and other Habitat homes and meet the following income guidelines: 

HUD Guidelines

Effective April 10, 2018

family size minimum maximum
1 $15,750 $31,440
2 $18,000 $35,940
3 $20,250 $40,440
4 $22,450 $44,880
5 $24,250 $48,480
6 $26,050 $52,080
7 $27,850 $55,680
8 $29,650 $59,280

Source  U. S. Department of Housing and Urban Development [HUD] www.huduser.gov*Income of all persons living in the household.

 

informational meetings

Our next Informational Meeting will be AFTER January 1, 2019. No specific date or location has been determined yet. Please check back to this website after 12/26/18.

Questions? Send an email to mlamond@habitat-ncg.org