Genesee Habitat for Humanity

Eligibility

Requirements

Eligibility to Habitat’s homeownership program is based on 3 requirements, including need, willingness to partner, and ability to pay an affordable mortgage.

There must be a demonstrated NEED to apply for a Habitat home. Examples of need for affordable housing include: overcrowded living accommodations, structural and mechanical problems, unsanitary and/or unsafe conditions, temporary or transitional housing.  While these examples constitute need, this is not an exhaustive list.

A family must be WILLING TO PARTNER by completing “sweat-equity” hours.   Habitat homeowners build their own homes alongside volunteers.  We offer a hand up, never a hand out.  Through shelter, we empower:

  • A two-adult household is required to perform a minimum of 500 hours.
  • A single-adult family is required to complete 300 hours.
  • A portion of the sweat equity hours can be completed by family and friends.
  • The future homeowners must attend homebuyer education classes.

All Habitat homeowners must have the ABILITY TO PAY an affordable mortgage.  Applicants must demonstrate that they have:

  • a steady, reliable source of income and demonstrate financial responsibility
  • the ability to pay a monthly house payment at approximately 25% of gross monthly income (taxes and insurance included)
  • the ability to pay projected monthly utilities (electric/gas & water/sewer)
  • NOT filed for bankruptcy within the past 2 years
  • NO outstanding collections, liens or judgments that cannot reasonably be paid by the completion of the home build