REVIEW
QUALIFICATIONS

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 need for improved housing
  • The second criteria is the ability to pay:
    • Meet income guidelines
    • Have good credit & low debt
    • Meet residency requirement
  • The third criteria is willingness to partner with Habitat OC

Need

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

*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:

Income Range by number of persons in household

Family SizeIncome 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
  • 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…

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.