Being added to the interest list does not constitute an application, guarantee eligibility, or guarantee selection for a Habitat Home.
Building a Path to Affordable Homeownership
Owning a safe, stable home can provide a strong foundation for the future. Habitat for Humanity of Walton County partners with local families to help make affordable homeownership possible. With the support of volunteers, donors, and community partners, we build affordable homes throughout Walton County and partner with qualified applicants who are ready to take the steps toward becoming homeowners.
Habitat homes are not given away. Partner families are fully invested in the process. They complete sweat equity hours helping build Habitat homes, participate in homeowner education classes and workshops, and purchase their home through an affordable mortgage.
Do I Qualify for Habitat Homeownership?
Habitat for Humanity considers three primary qualifications when selecting future homeowners. Applicants must demonstrate an ability to pay an affordable mortgage, a need for housing, and a willingness to partner with Habitat.
Ability to Pay
Applicants must demonstrate the ability to repay an affordable mortgage and meet the program's income, debt-to-income, credit, and other financial requirements.
Need for Housing
Applicants must demonstrate a need for safe, stable, and affordable housing. This may include overcrowding, substandard housing conditions, living with family or friends, receiving housing assistance, or difficulty maintaining affordable housing.
Willingness to Partner
Habitat homeowners actively participate in the program by completing 250 required sweat equity hours and participating a homeowner education class.
Income Guidelines
Does your household income fall within the qualifying range?
To qualify for the Homeownership Program, total household income must fall between the minimum and maximum yearly income limits based on household size.
Household Size
Minimum Yearly Income
Maximum Yearly Income
1
$19,050
$50,750
2
$21,800
$58,000
3
$25,820
$65,250
4
$31,200
$72,450
5
$36,580
$78,250
6
$41,960
$84,050
7
$47,340
$89,850
8
$52,720
$95,650
Income limits and program requirements are subject to change. Please refer to the current Pre-Application when applications reopen for the most up-to-date requirements.
General Eligibility Requirements
When the Homeownership Program is accepting applications, applicants and co-applicants are screened for program eligibility. Review the general requirements below to learn more.
Household income must fall within the required program income range shown above.
Child support and Social Security income may be included when expected to continue for at least two years. SNAP benefits are not considered income.
Debt-to-Income Ratio: Total monthly debt must be less than 40% of gross monthly household income.
Applicants must have a minimum credit score of 640 OR demonstrate 12 months of on-time payment history from at least three alternate sources, such as utilities, cell phone service, or vehicle insurance.
Applicants must demonstrate a need for housing due to one or more circumstances, which may include overcrowding, substandard or poorly maintained housing, living with family or friends, receiving Public Housing, Section 8, or HUD assistance, or difficulty maintaining affordable housing due to rent increases.
Applicants must have lived or worked in Walton County for at least one year prior to applying.
Each adult homeowner must complete 250 sweat equity hours and participate in required homeowner education classes and workshops.
Applicants must demonstrate satisfactory rental history, including verification that rent has been paid on time.
Applicants must have not declared bankruptcy in the last 3 years, and I have not declared bankruptcies more than once in the last 20 years.
Applicants must be a U.S. citizen or Permanent Resident Alien. Documentation of permanent residency is required when applicable.
Applicants may not be a registered sex offender.
Have Questions about our Homeownership Program?
We're happy to help! Contact Habitat for Humanity of Walton County for questions about the Homeownership Program or to request to be added to our interest list.
Habitat for Humanity of Walton County 2440 US Hwy 98 W Santa Rosa Beach, FL 32459
