Spring Homeownership Application Period, April 25th-May 28th
Applications for our Spring Homeownership Application Period are due by 4pm on May 28th. Click here to download the application.
Important Dates for our Spring Homeownership Application Period
- Read through our program requirements- available now through this link.
- Watch the recorded Homeownership Orientation – available through this link. (Watching the Homeownership Orientation is mandatory to submit an application. We encourage interested applicants to read through our program requirements, watch the orientation and complete their application as early as possible)
- Complete your application (please note, a typical application takes roughly 20 hours to put together. We encourage families applying to begin putting their application together and turning it in as soon as possible. Before completing an application, be sure to read through our program requirements. If you any of the questions in our program requirements do not apply to your or your co-applicant, you do not qualify for this application period and your application will be denied without further review).
- Turn in your application by 4pm on May 28th, 2022
The journey to homeownership can be intimidating. We’ll be there at every step.
To view the program requirements and application, click here.
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 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.
