Thank you for expressing interest in our Homeownership Program. At this time, our application is open from Feb 15-Mar 3 at 3pm. Please visit dekalbhabitat.org/homeownership for the application link and PDF.

 

We provide a hand-up, not a hand-out, by partnering with the families accepted into our program to help them become successful homeowners. Approved applicants will purchase a new or rehabilitated home with a zero-equivalent or low-interest 30-year home loan.

• Applicant must live or work in DeKalb County for a minimum of one (1) year prior to applying
• Be a citizen or permanent legal resident of the U.S.

 

Selection Criteria:

The Habitat model uses three criteria to determine whether a family qualifies for our homeownership program:

1. Need for better housing

• Current housing is unsafe or overcrowded
• Currently paying more than 35% of income for rent
• Must be a first-time home buyer
• You are unable to obtain an affordable mortgage through conventional means

2. Willingness to partner

• Must complete 250 sweat equity hours. Sweat equity hours are earned by volunteering to build your home and other Habitat projects
• Attend and pass all home owner education classes and workshops

3. Ability to pay

• Have a steady source of income
• Have good credit history (based on your credit report, NOT your credit score)
  • Charged-off debts or collections are $2000 or less
  • Bankruptcies and/or evictions have been discharged for a minimum of two years at the time of application. If it was dismissed, you must have paid off all debts to the bankruptcy
• Total household income must fall within the listed guidelines, adjusted for family size

 

If you would like to subscribe to receive our monthly newsletter, please click here.

Interested in volunteering? Sign up to become a volunteer and help us do what we do.

First Name *

Last Name *

Email *

Date of Birth *

Address Line 1

Address Line 2

Phone *

City

State Alabama Alaska American Samoa Arizona Arkansas Armed Forces Americas Armed Forces Europe Armed Forces Pacific California Colorado Connecticut Delaware District of Columbia Florida Georgia Guam Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Northern Mariana Islands Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virgin Islands Virginia Washington West Virginia Wisconsin Wyoming

State/Province

Zip

Postal Code

Country / Region USA Afghanistan Akrotiri and Dhekelia Aland Albania Algeria American Samoa Andorra Angola Anguilla Antigua and Barbuda Argentina Armenia Aruba Ashmore and Cartier Islands Australia Austria Azad Kashmir Azerbaijan Bahamas Bahrain Bangladesh Barbados Belarus Belgium Belize Benin Bermuda Bhutan Bolivia Bosnia and Herzegovina Botswana Brazil British Indian Ocean Territory British Virgin Islands Brunei Bulgaria Burkina Faso Burundi Cambodia Cameroon Canada Cape Verde Cayman Islands Central African Republic Chad Chile China Christmas Island Clipperton Island Cocos (Keeling) Islands Colombia Comoros Cook Islands Coral Sea Islands Territory Costa Rica Croatia Cuba Curaçao Cyprus Czech Republic Democratic Republic of the Congo Denmark Djibouti Dominica Dominican Republic East Timor Ecuador Egypt El Salvador England Equatorial Guinea Eritrea Estonia Eswatini Ethiopia Falkland Islands Faroe Islands Fiji Finland France French Guiana French Polynesia Gabon Gambia Georgia Germany Ghana Gibraltar Gilgit-Baltistan Greece Greenland Grenada Guadeloupe Guam Guatemala Guernsey Guinea Guinea-Bissau Guyana Haiti Heard Island and McDonald Islands Honduras Hong Kong Hungary Iceland India Indonesia Iran Iraq Ireland Isle of Man Israel Italy Ivory Coast Jamaica Japan Jersey Jordan Kazakhstan Kenya Kiribati Kosovo Kuwait Kyrgyzstan Laos Latvia Lebanon Lesotho Liberia Libya Liechtenstein Lithuania Luxembourg Macao Madagascar Malawi Malaysia Maldives Mali Malta Marshall Islands Martinique Mauritania Mauritius Mayotte Mexico Micronesia Moldova Monaco Mongolia Montenegro Montserrat Morocco Mozambique Myanmar Namibia Nauru Nepal Netherlands New Caledonia New Zealand Nicaragua Niger Nigeria Niue Norfolk Island North Korea North Macedonia Northern Ireland Northern Mariana Islands Norway Oman Pakistan Palau Palestine Panama Papua New Guinea Paraguay Peru Philippines Pitcairn Islands Poland Portugal Puerto Rico Qatar Republic of the Congo Republika Srpska Réunion Romania Russia Rwanda Saint Barthélemy Saint Martin Samoa San Marino São Tomé and Príncipe Saudi Arabia Scotland Senegal Serbia Seychelles Sierra Leone Singapore Slovakia Slovenia Solomon Islands Somalia South Africa South Georgia and the South Sandwich Islands South Korea South Sudan Spain Sri Lanka St. Helena St. Kitts and Nevis St. Lucia St. Maarten St. Pierre and Miquelon St. Vincent and Grenadines Sudan Suriname Svalbard Sweden Switzerland Syria Taiwan Tajikistan Tanzania Thailand Togo Tokelau Tonga Trinidad and Tobago Tunisia Turkey Turkmenistan Turks and Caicos Islands Tuvalu U.S. Virgin Islands Uganda Ukraine United Arab Emirates United Kingdom Uruguay Uzbekistan Vanuatu Vatican City Venezuela Vietnam Wales Wallis and Futuna Yemen Zambia Zimbabwe