Our Folsom application period is now closed.
We are currently reviewing applications; applicants may expect a response by mail within the next few weeks. The next open application period will be for home in our upcoming Citrus Heights development. It is anticipated that the application process for these homes will open in winter 2024/2025.
To be notified when that application period opens, please fill out the information request HERE.
For more information about our application process, please see below.
Future Habitat homeowners must meet three core qualifications:
1.Need for Adequate Shelter
Families must be experiencing at least one of the following conditions in their current living situation:
2. Willingness to Partner
Applicants must be willing to act as a true partner with Habitat for Humanity of Greater Sacramento. Our partner families must sign a partnership agreement and agree to:
3. Ability to Pay
Applicants must have the ability to pay for the house. A typical mortgage is 30% of the homeowner’s gross monthly income and includes property taxes and insurance. Mortgages are fixed payment, 30-year mortgages at 0% interest or 0% interest equivalent. An applicant’s income should fall within the following 30-80% of Area Median Income range based on household size.
Area Median Income Requirements (gross annual income)*
*Please note, total income includes income from all sources (employment, child support, SSI, Social Security, disability, retirement, pensions, and other benefits)
| SACRAMENTO COUNTY | ||
| Household Size | Minimum Income | Maximum Income |
| 2 | $28,300.00 | $75,450.00 |
| 3 | $31,850.00 | $84,900.00 |
| 4 | $35,350.00 | $94,300.00 |
| 5 | $38,200.00 | $101,850.00 |
| 6 | $41,960.00 | $109,400.00 |
| 7 | $47,340.00 | $116,950.00 |
| 8 | $52,720.00 | $124,500.00 |
| YOLO COUNTY | ||
| Household Size | Minimum Income | Maximum Income |
| 2 | $27,700 | $73,800 |
| 3 | $31,150 | $83,050 |
| 4 | $34,600 | $92,250 |
| 5 | $37,400 | $99,650 |
| 6 | $41,960 | $107,050 |
| 7 | $47,340 | $114,400 |
| 8 | $52,720 | $121,800 |
Additional Requirements:
Loan application review and approval is made in compliance with Federal Credit Equal Opportunity Act and the Equal Housing Opportunity Act, and on an impartial and non-discriminatory basis. Loans made or arranged pursuant to a California Finance Lenders Law license.
Where is Habitat building?
Habitat homes are located throughout Sacramento County.
We build homes and communities where we can acquire land that makes development affordable to future homeowners. New homes are typically simple, contemporary, all-electric single family homes consisting of 3-4 bedrooms, some private outdoor space, and a garage.
Click here to learn more about where we are building.
Questions about the homeownership program?
Please contact our Homeowner Services Department at Apply@HabitatGreaterSac.org
To stay informed on our next application period, please fill out the information request by clicking here.
Habitat for Humanity provides equal housing opportunity to all.
Habitat for Humanity of Greater Sacramento has 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.