Citrus Heights Phase 3 Applications Opening Soon!
Thank you for your interest in our Homeownership program! Applications for Phase 3 will be open February 1, 2026 – March 25, 2026.
Beginning February 1, 2026 we will begin accepting applications for 14 newly constructed homes at our Sayonara Drive development, featuring 2-, 3-, and 4-bedroom options. Homes will be sold to qualified applicants through affordable 30-year, 0% equivalent mortgages.
Interested applicants must attend an in-person or virtual information session prior to applying.
Please please click here to fill out a brief questionnaire that will help determine if you are likely to qualify for our program and to register for an information session.
We will be hosting three in-person information sessions at 6:00 PM the Citrus Heights Event Center on the following dates:
- Monday, January 26
- Friday, January 30
- Friday, February 6
*Virtual information sessions will be available on our website starting February 1, 2026.
During this mandatory information session, attendees will learn:
- Who qualifies for a Habitat for Humanity home
- What the homeownership application process involves
- Details about home designs and energy-efficient features
- Expectations for sweat equity and partnership with Habitat
Important: Attendance at an orientation session is required in order to apply.
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). Housing and Urban Development (HUD) income limits are valid from April 2025 to April 2026 and are anticipated to be adjusted in April 2026.
| SACRAMENTO COUNTY | ||
| Household Size | Minimum Income | Maximum Income |
| 2 | $30,900.00 | $82,350.00 |
| 3 | $34,750.00 | $92,650.00 |
| 4 | $38,600.00 | $102,900.00 |
| 5 | $41,700.00 | $111,150.00 |
| 6 | $44,800.00 | $119,400.00 |
| 7 | $48,650.00 | $127,600.00 |
| 8 | $54,150.00 | $135,850.00 |
| YOLO COUNTY | ||
| Household Size | Minimum Income | Maximum Income |
| 2 | $30,200.00 | $80,600.00 |
| 3 | $34,000.00 | $90,650.00 |
| 4 | $37,750.00 | $100,700.00 |
| 5 | $40,800.00 | $108,800.00 |
| 6 | $43,800.00 | $116,850.00 |
| 7 | $48,650.00 | $124,900.00 |
| 8 | $54,150.00 | $132,950.00 |
Additional Requirements:
Loan application review and approval is made in compliance with Federal Credit EO Act and the Equal Housing Opportunity Act, and on an impartial basis.
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 with 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.