Apply for a Home - Habitat for Humanity of Greater Sacramento

Interested in becoming a homeowner through Habitat for Humanity of Greater Sacramento?

The Home Ownership Program provides a hand up for hardworking, dedicated families in need of a safe, decent home. We build an average of 5-7 homes each year and our partner families purchase their home with a 30-year, affordable mortgage.

Our partner families spend 500 Sweat Equity hours working alongside volunteers to build their own home, attend educational courses to learn about home ownership, and set positive examples in their communities by maintaining their homes and being good neighbors.

Program applicants go through an extensive selection process, including a detailed financial review and in-home visits. To qualify for the program, our partner families must meet three main criteria.

Program Requirements

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)

2. Willing 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
  • 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 income.

An applicant’s income should fall within the following “low income” range based on household size.

Sacramento County

Family Size At Least No More Than
1 $17,600 $35,160
2 $20,100 $40,140
3 $22,600 $45,180
4 $25,750 $50,160
5 $30,170 $54,180
6 $34,590 $58,200
7 $39,010 $62,220
8 $43,430 $66,240

Yolo County

Family Size At Least No More Than
1 $18,450 $36,960
2 $21,100 $42,240
3 $23,750 $47,520
4 $26,350 $52,740
5 $30,170 $57,000
6 $34,590 $61,200
7 $39,010 $65,400
8 $43,430 $69,660

Additional Requirements

  • Applicants must be living or working in Sacramento or Yolo County for at least one year.
  • Applicants must be U.S. Citizens or legal permanent residents at the time of application.

Selections are made in compliance with the Federal Credit Equal Opportunity Act and on an impartial and non-discriminatory basis. Race, color, national origin, marital status, familial status, sexual orientation, age, religion, and disability play no part in the decision making process.

How to Apply

We are not accepting Homeownership Applications at this time. However, if you would like to be added to our contact list so that you will be notified when the application period reopens, please fill out the web form below with your contact information. For more information please read the Application and General FAQ’s found below. If you have further questions contact our Family Services Coordinator at

Rochelle Roberts, Homeowner Services Manager
(916) 440-1215 ext. 1101

AmeriCorps Family Services Coordinator
(916) 440-1215 ext. 1109

Contact List