homeownership: qualify and apply

Partnering with Habitat for Humanity to buy a home is a unique opportunity. The Habitat for Humanity Seminole-Apopka program serves many families whose income levels are not high enough to qualify for other homeownership programs. We work with hardworking, low-income families and the community to build and sell homes with affordable mortgages at no profit. Meanwhile, we prepare our Habitat families to be successful, long-term homeowners.

If you are interested in partnering with us as a homebuyer, we recommend reviewing the qualifications below -- these are the best way to learn more about our homeownership program and whether or not it's right for you. Please note, in order to be eligible to partner with us as a homebuyer, you must live or work in Seminole County or Apopka.


 Is your present housing one of the following:

  • Inadequate – Lack of adequate housing may include problems with the present structure such as: water; electrical or sewage service systems; heating system; hazardous; poorly maintained (substandard); or failure to meet city property maintenance standards.
  • Overcrowded – Also taken into consideration are the make-up and size of your family compared to the number of bedrooms in your home.
  • Transitional — You are currently living with family members or a friend and you do not have your own home.
  • Government Subsidized – Housing programs such as: Section 8, Low Rent Program.
  • Unaffordable – A percentage of your monthly income that you currently spend on housing is considered to determine need (“more than 30% of my monthly income goes towards rent”).


In order to qualify for a Habitat House, a family should have adequate income to cover utilities, maintenance expenses, as well as the house payments. You will have to demonstrate the ability to pay a $500 to $650 per month on an affordable mortgage which includes property taxes & property insurance.

  • Income: Income must be stable, verifiable, and fall between 40%-80% of HUD Median Income levels for the Orlando Metropolitan area.
  • Budget: Your estimated mortgage payment should be no more than 30% of your income, and mortgage and other debt combined should be no more than 43% of your income.
  • Delinquent Debt: No more than $2,000 in non-medical delinquent debt at the time of application and all non-medical delinquent debt must be paid off before purchase of the home.
  • Bankruptcy: Must wait one year after being discharged and reestablishing good credit

income levels

Family Size        Min. Income        Max. Income
1                          $20,200              $35,800
2                         $23,100               $40,900
3                         $26,000              $46,000
4                         $28,800              $51,100
5                         $31,100                $55,200
6                         $33,400              $59,300
7                         $35,700               $63,400
8                         $38,000              $67,500


Willingness to Partner

  • You must be willing to partner with Habitat Seminole-Apopka and work 200 hours of "sweat equity" for a single applicant or 400 hours for a two-person applicant (a minimum of 15 hours of sweat equity must be worked each month)
  • You must accept a home in the neighborhoods where Habitat Seminole-Apopka serves
  • You must live or work in Seminole County and/or Apopka for the past year
  • You must attend the required homeowner classes as scheduled
  • You must be willing to save a minimum of $3,500 for closing cost
  • You will be responsible for maintenance of your house from the time you move into your home
  • You will be responsible for repaying the purchase cost of your home in a timely manner so that other families can benefit from the Habitat program
  • Applicants must be legal U.S. residents