Apply for a Home - Fill out an interest form to learn more!

Our Homeownership Application opens March 1st, 2023!

Click here to fill out an application for our Homeownership Program!

Click here to watch our Homeownership Orientation to learn more about the application process!

The journey to homeownership can be intimidating. We’ll be there at every step.

Purchasing your first home is a big deal. The Habitat path to homeownership begins with a multi-step approval process that ensures our program is right for you. Our goal is to set you up for success so you can begin building a brighter future for yourself and your family.

To share or print our pdf homeownership application flyer, please click here.

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:

  • Substandard Conditions (mold, lacks electricity, unsafe, in need of major repairs, etc.)
  • Overcrowded Conditions
  • Paying too much for rent (more than 50% of their gross income)
  • Currently using Housing Choice Voucher Program or another income adjusted rental program

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:

  • Contribute 500 hours of sweat equity building their home and the homes of other partner families
  • Share their story through our website, interviews, videos, and more
  • Complete homeowner education workshops
  • Attend Habitat events and homeowner meetings
  • Stay in good communication with Habitat staff throughout
  • Make mortgage payments on time

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

Family Size Gross Minimum Yearly  Income Gross Maximum Yearly Income
1 $21,300 $56,750
2 $24,350 $64,850
3 $27,400 $72,950
4 $30,400 $81,050
5 $32,850 $87,550
6 $37,190 $94,050
7 $41,910 $100,550
8 $46,630 $107,000

Yolo County

Family Size Gross Minimum Yearly  Income Gross Maximum Yearly Income
1 $20,850 $55,550
2 $23,800 $63,450
3 $26,800 $71,400
4 $29,750 $79,300
5 $32,470 $85,650
6 $37,190 $92,000
7 $41,910 $98,350
8 $46,630 $104,700

Additional Requirements

  • Applicants must be U.S. Citizens or Legal Permanent Residents at the time of application.
  • Applicants must be a First-Time Home-buyer
  • Applicants must have lived or worked within Sacramento or Yolo County for at least the last year
  • **for additional requirements for our current homeownership application period, please click here.**

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.

The homeownership opportunities in our upcoming application period will include our Cornerstone development off 47th Ave. and Highway 99, as well as other North and South Sacramento area locations. Watch this video to learn more about our Cornerstone development.

For questions on our homeownership program:

Please contact our Homeowner Services Department at

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.