Home Ownership

Qualifying for a Habitat Home

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

A qualifying family pays for their home with an affordable mortgage and through a down payment of 200 to 400 sweat-equity hours.

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 their 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 may not exceed 78% 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 43% of a family’s income.
  • An acceptable history of credit.
  • Ability to cover closing costs (approximately $4,000).
  • 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.

Apply Online

Interested in homeownership?

You will be required to upload the following documents when submitting your online application:
  • Picture ID or Driver’s License for anyone over 18 years of age.
  • Proof of residency (Birth Certificates, Green Cards, Citizenship form, or US Passport) for everyone in the household.
  • Social Security Cards for everyone in the household.
  • Last 3 month of paystubs for everyone who is employed in the household.
  • Last 2 years of SIGNED Federal Income Tax Returns with all W2’s for everyone in the household.
  • Proof of any additional income (SSI Award letter, Child Support order, etc.) for the last 2 years.
  • If applicable, Divorce Decree.
  • A non-refundable $100.00 application fee per individual applicant or married couple (fee waived for military applicants).

How do I Learn More?

To find out more about the homeownership program or to find out if you qualify, speak with a member of the Family Services team:

(602) 268-9022

Office location:
2830 W Glendale Avenue
Suite 33
Phoenix, AZ  85051