About Homeownership with Habitat

Our current home ownership application period has ended.

To stay informed on our next application period, please fill out the information request by clicking here.  The next application period will be in late spring/early summer of 2022.

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 Mandolin Estates development off of Power Inn Road and 50th Avenue, as well as other South Sacramento area locations. Click here to learn more about the Mandolin Estates development.


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)

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)

Family Size Gross Minimum Yearly  Income Gross Maximum Yearly Income
1 $19,050 $50,750
2 $21,800 $58,000
3 $24,500 $65,250
4 $27,200 $72,500
5 $31,040 $78,300
6 $35,580 $84,100
7 $40,120 $89,900
8 $44,660 $95,700

Applicants must be living in Sacramento or Yolo County for at least one (1) year.

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 not have filed for bankruptcy in the last five (5) years

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.

Loans made or arranged pursuant to a California Finance Lenders Law license.

How do I apply?

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 for you. Our goal is to set you up for success so you can begin building a brighter future for yourself and your family.
  1. Submit a pre-application during an open application period
  2. Attend the homeowner orientation
  3. Submit your full application
  4. Initial Review (Families who do not fall within income and/or credit guidelines are notified by mail.)
  5. Home Visit (We will schedule a home visit with qualifying applicants where we get to meet you and discuss your housing needs.)
  6. Homeowner Selection Committee Meeting (Based on selection criteria and information gained during the home visit, you may be invited to meet with our Homeowner Selection Committee.)
  7. Board of Directors Approval (Each application is evaluated on objective criteria and recommended applicants are presented to the Greater Sacramento Habitat Board of Directors for approval. You can then begin completing your sweat equity hours.)
HfHGS Privacy Notice

For questions on our homeownership program:

Please contact Cory Stevenson at CStevenson@HabitatGreaterSac.org







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.