Qualifying for a Home

Habitat homes are built based on a partnership between a family and the community.

A qualifying family pays for their home with a no-profit loan and through a down payment of 200 to 400 sweat-equity hours.  This model keeps the up front costs and monthly housing payments low while giving you the opportunity to own your own home!

To qualify, applicants need three things:

A Need for Adequate Housing

  • Lack of decent and safe living conditions as defined by the Habitat for Humanity housing evaluation criteria.
  • Overcrowded housing conditions.
  • Excessive home rental expense. A family should not have to spend more than 30% of its income for housing, not including utilities.
  • Applicants must have incomes that are too low to enable them to secure conventional financing from a traditional lending institution.

An Ability to Pay

  • The gross annual household income must be between 30% and 60% of the Maricopa and Pinal County area median income.  The median income figure varies depending on the size of the family.
  • Two-year history of stable income.
  • Monthly long-term debt payments, including estimated mortgage payment, should not exceed 41% of a family’s income.
  • An acceptable history of credit
  • Ability to cover closing costs (approximately $3,500).
  • Applicant must be a U.S. citizen or a permanent resident. This applies to all household members.

A Willingness to Partner with Habitat

  • Be willing to contribute 200-400 hours of sweat equity towards the building or renovating of Habitat homes (special accommodations may be made available upon request).
  • Be willing to live in the neighborhood in which Habitat is currently building and follow city and subdivision regulations.
  • Be willing to be a participating member of the Homeowner’s Association (if applicable).
  • Attend mandatory workshops for success in homeownership.

For questions on qualifying for a home, please email us through our homeownership contact form.

Call to speak with our Family Services Team!

Peoria Office

9133 NW Grand Ave. Ste. 1
Peoria, AZ 85345
(623) 583-2417

Phoenix Office

115 E. Watkins
Phoenix, AZ 85004
(602) 268-9022

Habitat for Humanity Central Arizona is an equal opportunity housing provider and complies with federal regulations regarding discrimination. It considers applicants without regard to their race, religious preference, gender, handicap, familial status or national origin.


Click to learn How to Apply for a Home

Home Buyers Pre Screening Questionnaire
English / Español

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