Apply for a Home
Our application period is not currently open. Add your name to our interest form below!
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. Follow these easy steps to get started:
Step 1: CLICK HERE to fill out this form and add your contact information to learn more about our program.
Step 2: When the application period opens, watch our mandatory Homeownership Orientation to learn more about the application process and where we’re building.
Step 3: Fill out an application for our Homeownership Program.
Step 4: Participate in our open application review sessions in the Habitat offices and around the community. Add your name to the inquiry list to learn more soon!
Step 5: Completed Applications with supporting documentation must be received at our offices by the application deadline, which will be announced when the application period opens.
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 | $22,500 | $60,050 |
| 2 | $25,750 | $68,600 |
| 3 | $28,950 | $77,200 |
| 4 | $32,150 | $85,750 |
| 5 | $35,140 | $92,650 |
| 6 | $40,280 | $99,500 |
| 7 | $45,420 | $106,350 |
| 8 | $50,560 | $113,200 |
Yolo County
| Family Size | Gross Minimum Yearly Income | Gross Maximum Yearly Income |
| 1 | $22,050 | $58,750 |
| 2 | $25,200 | $67,150 |
| 3 | $28,350 | $75,550 |
| 4 | $31,450 | $83,900 |
| 5 | $35,140 | $90,650 |
| 6 | $40,280 | $97,350 |
| 7 | $45,420 | $104,050 |
| 8 | $50,560 | $110,750 |
Additional Requirements
- Applicant must be U.S. Citizen or Legal Permanent Resident at the time of application.
- Applicant must be first time homebuyer and cannot own any other real or residential property.
- Applicant cannot have filed for bankruptcy in the last five (5) years.
- For current available properties, household makeup must meet the following Habitat requirements:
- Married/coupled adults share the same room.
- No children under the age of 18 with different gender identity may share a room.
- No more than two children under the age of 18 assigned to a bedroom.
- No children under the age of 18 can be assigned to share a bedroom with a household member over the age of 18.
- No bedrooms may be unassigned at the time of home purchase (i.e. – family with married/coupled adults and one child qualifies for a two bedroom home only)
- Applicant must have lived and/or worked in Sacramento or Yolo County for no less than one (1) calendar year.
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.
