Habitat for Humanity-North Central Georgia works with God and people everywhere, from all walks of life, to build simple, decent homes for those in need.

Building Homes, Building Lives.
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How To Apply

If you are interested in applying for a Habitat home, please read the following information and attend an upcoming application meeting. You can find the times and locations for upcoming meetings on our Calendar of Events.

In order to qualify for a Habitat home, you must be a legal resident of the United States and meet these four basic criteria:

  1. have a need for a Habitat home
  2. have the ability to pay the mortgage
  3. have the willingness to partner with our organization
  4. have lived or worked in the Metro Atlanta Area for at least one year prior to applying

Your need for a Habitat home can be based on a number of factors such as the percentage of your income you currently spend on housing, the current physical condition of your residence, or the number of people living in your home compared to the number of bedrooms.

Your ability to pay the mortgage on the home is determined by your yearly income. You must have maintained continuous income for at least one year, and you must be between 25% and 60% of the median income in our area. Please reference the chart below to determine if you fit into our income guidelines:

HUD Guidelines
Family Size
 25% Median
 60% Median
One $12,575 $30,240
Two $14,375 $34,500
Three $16,175 $38,800
Four $17,950 $43,100
Five $19,400 $46,600
Six $20,825 $50,000
Seven $22,275 $53,500
Eight $23,700 $56,900

If you are approved for a home, you must make a $100 down payment upon approval. You must make a $100 payment each month thereafter until the down payment amount reaches $1,000.

Your willingness to partner with our organization means you agree to complete required volunteer hours (called ‘sweat equity’) with our organization. You and your family and friends must complete a total of 300-350 sweat equity hours. Each person on the mortgage must complete 50 hours working on his/her own home. You are also required to attend 10 education classes on topics related to homeownership.

If you meet these basic criteria and would like to apply for a Habitat home, the first step is to attend an application meeting in one of our three areas. Please apply in the area in which you would like to live. You must bring photo identification to the meeting in order to receive an application. If you return your application to the appropriate office by the deadline, you will go through further screening before being approved for a home. Not all qualified applicants will be approved for a home. If you meet all of our criteria but are not approved for a home, we encourage you to try again. For times and locations of upcoming application meetings, please view our Calendar of Events.