Home Buyer Program

Building strength, stability, and self-reliance through shelter

Through our homebuyer program, Habitat homeowners achieve the strength, stability, and independence they need to build a better life for themselves and their families.

The Homebuyer Program application cycle is currently closed.

Click HERE to be notified once our application cycle reopens.

Qualifications

To apply for the homeownership program with North Central Georgia Habitat:

You must be a US citizen or permanent legal resident.
You must be a first-time homeowner.
You must live or work in Cherokee, Forsyth, Dawson or North Fulton County for at least one year. We don’t currently build in North Fulton County.
You have a steady, verifiable source of income for at least 24 months at the income level required on the chart below based on your family size.
Your household income before taxes must be within the following limits:

Number of People Living in the Home	Income Before Taxes Not Less Than	Income Before Taxes Not More Than
1	$32,000	$63,900
2	$36,560	$73,100
3	$41,120	$82,250
4	$45,680	$91,350
5	$49,360	$98,700
6	$53,000	$106,000
7	$56,680	$113,300
8	$60,320	$120,600

Source: FY 2025 HUD Income Limits

Selection Criteria

We review every application carefully, and select applicants based on three criteria.

Need for Better Housing

Your current housing is inadequate, whether due to safety issues, poor maintenance, overcrowding, or other housing challenges, and you are unable to secure affordable housing through conventional means.

Willingness to partner:

You agree to complete 200 hours of “sweat equity,” contributing to the construction of your own home as well as the homes of other partner families in the program, and to attend educational workshops designed to prepare you for successful homeownership.

Ability to pay:

Our partner families must be able to pay a monthly mortgage for their new home.

See below chart for income guidelines before taxes based on household size.

Qualification Criteria:

To apply for the homeownership program with North Central Georgia Habitat:

You must be a legal U.S. citizen or permanent resident.
You must be a first-time homeowner.
You must live or work in Cherokee, Forsyth, Dawson or North Fulton County for at least the last 12 months.
You have a steady, verifiable source of income for at least the last 24 months and have a solid employment history.
Your yearly income must fall within the income guidelines, which are adjusted for household size.
You must have a reasonably good credit history.

Your household income before taxes must be within the limits below.

Examples of income sources are wages, Social Security disability, SSI, TANF, pensions/retirement and child support as sources of income.

Number of People Living in the Home	Income Before Taxes Not Less Than	Income Before Taxes Not More Than
1	$32,000	$63,900
2	$36,560	$73,100
3	$41,120	$82,250
4	$45,680	$91,350
5	$49,360	$98,700
6	$53,000	$106,000
7	$56,680	$113,300
8	$60,320	$120,600

Source: FY 2025 HUD Income Limits

If you meet the above criteria and are interested in applying, the next step would be to attend an application cycle orientation meeting. At the meeting we will explain the full requirements of our program and give you access to the application.

To receive updates on future dates, you can sign up by filling out the form below.

Questions? Please contact our Director of Family Services, Darlene Daly, at ddaly@habitat-ncg.org or call 678-672-5231.

Habitat for Humanity North Central Georgia pledges to the letter and spirit of U.S. and state policies for the achievement of equal housing. We do not eliminate applicants or discriminate because of race, color, religion, gender, sexual orientation, handicap, family status, ethnicity, national origin, or public assistance as a source of income.