• Information
  • Eligibility
  • Pre-Qualification


Eligibility Criteria

Applicants must meet the following criteria to be eligible for Habitat for Humanity of Broward’s homeownership program:

  • First-time homebuyer
  • US Citizen or permanent legal resident of the United States (applies to all household members)
  • Currently working in Broward or a resident of Broward for at least one year

Applicant’s Needs

Must meet at least ONE of the following:

  • Inadequate housing—problems with the present structure such as: water, electrical, sewage system, heating, hazardous, poorly maintained (substandard), or failure to meet city property maintenance standards
  • Overcrowded—family size compared to the number of bedrooms in the home
  • Transitional—currently living with family member or friend
  • Inability to Pay; Unaffordable housing

Must meet ALL of the criteria below:

  • Possess adequate income to cover utilities, maintenance expenses, as well as the mortgage payments, which include taxes and insurance.
  • Demonstrate the ability to pay an interest-free mortgage (monthly minimum of $1,375 – principal, taxes, and insurance, not to exceed 30% of gross monthly income.)
  • Receive total household income that does not exceed HUD guidelines for 80% Area Median Income based on household size (unless otherwise stated at orientation). Google:  HUD income limits 2021 – State of Florida/Broward County for further information.
  • Total monthly debt payments (including housing) cannot exceed 45% of gross monthly income.
  • Show a record of paying rent and other bills on time.
  • Stable income (within the income guidelines) for the last two consecutive years or more
  • Have not declared bankruptcy within the last 3 years.
  • Willingness to Partner

Must meet ALL of the criteria below:

  • Work a minimum of 300 hours of sweat equity (building homes).
  • Attend ALL mandatory homeownership classes, as scheduled.
  • Be able to contribute $2,000 towards closing costs.
  • Maintain property after the home is purchased.
  • Repay the purchase cost of the home in a timely manner.
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