BECOME A

HOMEOWNER

Review the homeownership process to learn how to
purchase an affordable Habitat OC home.

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.

Income Limits for Habitat OC Low-Income Homes

People in household 1 2 3 4 5 6 7 8
Low Income
Minimum Income Required
$44,850 $51,250 $57,650 $64,050 $69,200 $74,300 $79,450 $84,550
Low Income
Maximum Income Allowed
$71,750 $82,000 $92,250 $102,450 $110,650 $118,850 $127,050 $135,250

Income Limits for Habitat OC Moderate Income Homes

People in household 1 2 3 4 5 6 7 8
Moderate Income
Minimum Income Required
$71,750 $82,000 $92,250 $102,450 $110,650 $118,850 $127,050 $135,250
Moderate Income
Maximum Income Allowed
$86,500 $98,900 $111,250 $123,600 $133,500 $143,400 $153,250 $163,150

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.

Purchase Information

  • 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.

Affordability Restrictions

  • 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.

Contact Info

Homebuyer Services Department.
Phone: 714.434.6200 ext.213
FamilyServices@HabitatOC.org

Learn about all our Offerings:

Attend a Homebuyer Orientation meeting and learn how to apply to purchase a Habitat OC home. Sessions are  online webinars.