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.

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

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.

1. Need for Housing

Your present housing is not adequate (unsafe, not maintained, overcrowded, and/or unaffordable).
You are unable to obtain affordable housing through other conventional means.

2. Willingness to Partner

You agree to complete 200 hours of sweat equity. Sweat equity hours are earned by helping to build your and other families’ homes alongside volunteers.
You agree to complete all assigned homeowner education.
You plan to fulfill your partnership with Habitat after purchasing the home by:

Paying your mortgage on time
Maintaining your home and lawn
Observing all county and city ordinances and Habitat covenants
Being a good neighbor
Being a good representative of Habitat for Humanity

3. Ability to Pay

Your income is enough to pay the monthly mortgage, including taxes and homeowner’s insurance, in addition to your other bills
Your income and work history is stable and verifiable.
You have good credit (based on your credit report, NOT your credit score).