Alachua Habitat for Humanity’s homeownership program provides families with low income who would not otherwise qualify for a traditional mortgage the opportunity to become homeowners. Habitat homeowners help build their own homes alongside volunteers, and pay an affordable mortgage. Before building their own home, Habitat homeowners commit 200 hours of sweat equity by serving the community through community service hours, and by helping build another Habitat homeowner family’s home. All homeowner families complete a series of workshops, which are designed to empower families to become successful homeowners.
The focus of Alachua Habitat for Humanity's cornerstone program is to empower qualifying families in Alachua County to build and buy their own homes. We partner with families to construct safe, decent, affordable housing through new construction or rehabilitation. These homes are designed for energy efficiency, for aging-in-place, and for those with special needs.
We believe that empowering families with the right knowledge will lead to successful, long-term homeownership. In an effort to support the families we partner with, we require all families who qualify for our affordable homeownership program to participate in a series of homeowner education workshops as part of completing 400 hours of sweat equity. Most Alachua Habitat for Humanity families are first-time homeowners and all fall within the low- to moderate-income levels as defined by HUD.
If you have any questions, please contact our family services department at 352-363-6493
# people in household
minimum allowed income
maximum allowed income
If you do not meet all of the above criteria, or if the income for your family size does not fall between the minimum and maximum numbers, you are not eligible for a Habitat home at this time.
Each of the four steps in our homeownership program is explained below. Please note that you are required to maintain debt income ratio at 43% or lower and meet a minimum 40% average medium income throughout the duration of the program and your application will be re-certified at each step. You will also be required to notify Family Services Department as soon as possible when there are changes in your phone numbers (cell, home, and work), address, financial, marital status, household size or employment throughout the program. Future Habitat homeowners are also required to participate in 12 educational workshops and attend an eight- hour Home Buyer's Education class prior to closing. Each Habitat homeowner pays $1000 as a down payment, which is paid in four installments of $250. The four $250 installments are paid at the beginning of each step. Payments are nonrefundable and we do not accept cash.
Interested families submit an application to our Family Services Department. Applications are examined for demonstrated need for housing, ability to pay an affordable mortgage, and willingness to partner with Alachua Habitat. Applications are available at Home Ownership Orientations (HOOs) which all applicants are required to attend. Alachua Habitat for Humanity does not discriminate on the basis of race, religion, gender, ethnicity, age, handicap, sexual orientation, family status, or because all or any part of income is derived from any public assistance program.
No. We partner with the applicant candidate, businesses, and volunteers to build houses. Once a house is complete, the Habitat homebuyer purchases the house with a zero-interest or zero-equivalent interest mortgage with affordable monthly payments. Habitat homeowner families then pay it forward through their mortgage payments that help fund Habitat houses for other local families.
The monthly mortgage payment varies depending on the value of each house once it's complete and the homebuyer household's income.
No, but you must have a steady income and meet the household minimum requirements as outlined in the eligibility section. Qualifying income includes (but is not limited to): wages, child support, alimony, SSI, SSA, veteran's pension, and retirement benefits.
Yes, single as well as married individuals can apply, and you do not need to have children to qualify.
You are eligible to apply if you own your own business. You will need to provide your complete income tax records for the previous two years, which will be evaluated to ensure that you meet the minimum and do not exceed the maximum income for your family size.
Yes. If your application is denied, we will provide referrals and information on what steps to take to gain eligibility and to re-apply.
Yes, unfortunately we have. Homeowners are expected to make timely monthly mortgage payments. Your payments are important because they help fund homes for future Habitat homeowners.
Sweat Equity is the time and effort you contribute toward the purchase of you home through community service and the construction of others' homes as well as your own. Following approval of the selection committee, you must complete the required number of sweat equity hours, but more important than the number of hours, is your consistent, active participation on the job site. Sweat equity also includes participating in required homeowner education classes, working at our Habitat ReStore, and participating in other approved community activities.
We do not require any previous skills or knowledge. Sweat equity is an exciting learning experience in which you work with your family, friends, and community to build other peoples' homes as well as your own. Working alongside volunteers and future neighbors to build your home and community is one of the most unique, empowering, and rewarding aspects of Habitat for Humanity.
Contact our family services department at 352-363-6493
We are in the process of updating the procedure and forms to apply for the Homeownership and Mortgage program. Keep your eyes on this website or on our Facebook page for instructions on how to obtain a Prescreen Application.
Please review the eligibility requirements under the first tab to determine if you meet the initial guidelines.
If you have any questions, please feel free to contact us at 352-363-6493. We look forward to working with you on your journey to Homeownership.
Alachua Habitat for Humanity does not discriminate on the basis of race, religion, gender, ethnicity, age, handicap, sexual orientation, family status, or because all or any part of income is derived from any public assistance program.