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

Habitat OC Selects

Families Based On



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


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

Living in overcrowded, unhealthy conditions or in a dangerous neighborhood.

Housing costs are 30-35% 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:

Able to pay a long-term mortgage, pay a 1-5% 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.

Citizens or permanent residents of the US, and live or work in Orange County.

For all homes: A family’s annual gross income, based on household size, must fall within the range listed in the chart below:

2020 Income Limits by number of people in household

People in household 1 2 3 4 5 6 7 8
Very Low Income
50% AMI
$44,850 $51,250 $57,650 $64,050 $69,200 $74,300 $79,450 $84,550
Low Income
80% AMI
$71,750 $82,000 $92,250 $102,450 $110,650 $118,850 $127,050 $135,250
Median Income
100% AMI
$72,100 $82,400 $92,700 $103,000 $111,250 $119,00 $127,700 $135,950
Moderate Income
120% AMI
$86,500 $98,900 $111,250 $123,600 $133,500 $143,400 $153,250 $163,150

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 and/or 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. Or contact Operation Hope:

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. 

Contact Info

Homebuyer Services Department
Phone: 714.434.6200 ext.213

Learn about all our Offerings:

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