Homeownership

Habitat for Humanity of St Augustine/St Johns County homeownership program provides families with low income who would not otherwise qualify for a traditional mortgage the opportunity to become homeowners. Habitat homeowners help build their own homes alongside volunteers and pay an affordable mortgage. Before building their own home, Habitat homeowners commit 200 hours of sweat equity by helping build another Habitat homeowner family’s home. All homeowner families complete a series of workshops, which are designed to empower families to become successful homeowners.

In order to qualify as a Habitat Homeowner Candidate, applicants must:

Be a US citizen or permanent resident.
Live or work in St Johns County for at least 12 months.
Not own a home.
Demonstrate that your household is cost-burdened or that your current housing situation is unsafe, inadequate for your family’s needs, overcrowded, temporary, or in a high-crime area.
Have a debt/income ratio of 45% or lower. The debt/income ratio is calculated by totaling all of your monthly bills and dividing by your total income. We recommend you visit www.freeannualcreditreport.com to review your credit before
applying. The housing payment can't exceed 30% of your gross monthly income.
Have a credit score of 640 or higher.
Have no bankruptcy filings within the past four years.
Have a stable source of monthly income for one year.
Give permission to run credit, criminal, & sexual offender background checks.
Be willing to give 200 hours helping build the homes of others and your house.
Have a total GROSS household income between the following amounts*, according to the size of your household.
You may count income from wages, social security (SSI, disability, pension), child support, and Veteran pension.