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Review Qualifications

Doorway to the Future

Find out if your family qualifies to purchase a new Habitat OC home.

Habitat OC selects families based on three criteria:

  • The first criteria is a demonstrated need for improved housing
  • The second criteria is the ability to pay the mortgage, which includes meeting the income guidelines, having good credit and low debt, and meeting the residency requirement
  • The third criteria is willingness to partner with Habitat OC



Families must have a significant need for improved housing, such as:

  • Living in overcrowded, unhealthy conditions or in a dangerous neighborhood.
  • Housing costs are 35% or more of your monthly income.
  • Families living in subsidized or temporary housing may also be eligible.


Ability to Pay

Purchasing a Habitat OC home is a big investment. A family's source of income must be steady, verifiable and meet the following qualifications:

  • Citizens or permanent residents of the US and live or work in Orange County.
  • Able to pay a long-term mortgage, pay a 1-3% down payment and closing costs.
  • Gross income for all family members who will reside in the home will be reviewed. Gross income means earnings before taxes are taken out.
  • For a newly constructed home, a family's annual gross income, based on household size, must fall within the range listed in the chart below:

    Income Range by number of persons in household

    Family Size
    Income Range*
    1 $40,000 - $53,950
    2 $40,000 - $61,650
    3 $40,000 - $69,350
    4 $40,000 - $77,050
    5 $40,000 - $83,250
    6 $40,000 - $89,400
    7 $40,000 - $95,550

    *A lower minimum income may be accepted for homes that were built in prior years.

 Credit report must be in good standing and show that the family:

  • Has no tax liens
  • Has low/reasonable amount of debt
  • Has paid off accounts in collection, charge-offs and/or past dues
  • Has been out of bankruptcy at least four years and foreclosure at least seven years


Concerned about your credit? Consider working with SparkPoint OC - Orange County United Way, a non-profit service. They can help you learn how to reach financial stability. Call (714) 278-4679.

Don't meet some of the criteria? Please refer to other organizations that might be able to help your family.

Willingness to Partner

Time to understand the third criteria, willingness to partner...


Learn About Partnering


We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation.  We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.

What We Offer

Contact info:

Family and Homebuyer Services
Phone: 714.434.6200 x227

Learn about all our offerings:

Attend a Homebuyer Orientation meeting and learn how to apply to purchase a traditional Habitat OC home.   Sessions are available in multiple OC locations and languages, plus via online webinars.


Homebuyer Orientation Schedule

Equal Housing Opportunity

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 | (714) 434-6200
 2200 Ritchey Street, Santa Ana, CA 92705
 Office: Monday- Friday: 8:30 a.m. - 4:30 p.m.

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