Review the homeownership process to learn how to
purchase an affordable Habitat OC home.
2020 Income Limits by number of people in household
|People in household||1||2||3||4||5||6||7||8|
Very Low Income |
Low Income |
Low to Moderate Income Homes
Habitat for Humanity of Orange County (Habitat OC) builds homes to sell to Orange County residents earning low and moderate income. This provides opportunities for homeownership to families who are unable to afford a market rate home.
Habitat OC obtains land from local cities on which to build homes in exchange for Habitat OC’s promise to maintain the affordability of the low and workforce homes it constructs. Below is a description of Habitat OC’s program for low and moderate income families.
- Families must be “First-time Homebuyers.” This is defined as not having owned a residence in the last three years.
- All household members must be legal U.S. residents.
- The purchase price will be below the market price for a similar home and will be set at an “affordable price” for a moderate-income purchaser.
- There are deed restrictions that limit the future sales price of the home.
- For Low Income Homes, families must qualify for a bank loan with a minimum of 1-3% down payment plus closing cost.
- For Workforce Homes, families must qualify for a bank loan with a minimum of 5% down payment plus closing cost.
- Home must be owner-occupied and cannot be rented or subleased, in whole or in part.
- No Bankruptcies or Foreclosures in the last seven years from settlement date.
- The purchase price to a new qualifying family is determined by an Affordable Housing Price calculation and not by local comparative sales (“Comparables” or “Comps”). Any increase in the sales price of the home will be determined by an increase in the Area Median Income (AMI) for Orange County, not by the housing market.
- Low income homes must be sold to a qualifying family of low income less than 80% of the Area Median Income for Orange County.
- Workforce Homes must be sold to a qualifying family of moderate income no greater than 120% of the Area Median Income for Orange County.
- Income limits are defined by the Department of Housing and Urban Development (HUD) guidelines as published by the State of California Department of Housing and Community Development. These values change on an annual basis.
- Total income of all household members from all sources (employment, child support, SSI, Social Security, disability, retirement, pensions, and other benefits) must be included.
Make sure you and your family meet the requirements to purchase an affordable new home.
Purchasing a Habitat OC home is a commitment. Learn what it means to be a Habitat OC family.
Selecting families for our programs is a lengthy process. Learn more about how we select our families.
Learn if our program is the right fit for you. Interested applicants must attend an orientation.
Homes Available for
Workforce Homes available for purchase by
Working families whose income falls within 80-120% AMI are eligible to purchase a Habitat OC home. The homes are beautiful and affordable. To learn more about our homes for sale email Arthur Alderete at email@example.com.
Cross streets in Fullerton (Truslow & Highland)
Habitat OC is seeking a family to purchase a home in Fullerton. Must be a moderate income and veteran family.
9021 Meredith Way #E, Cypress
Habitat for Humanity of Orange County offers affordable homeownership opportunities.
Homebuyer Services Department.
Phone: 714.434.6200 ext.213