Homeownership
Habitat for Humanity of St Johns County homeownership program provides individuals and families with low to moderate income the opportunity to become homeowners. Habitat homeowners help build their own homes alongside volunteers and pay an affordable mortgage. 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.
- Not own a home.
- Demonstrate a need for housing.
- 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.
- Have a credit score of 640 or higher.
- Have a stable source of monthly income for one year.
- Give permission to run credit, criminal, & sexual offender background checks.
- Be willing to give sweat equity hours to 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.
