Housing Help
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.
We Are Not Currently Accepting Applications
The Home Buyer Program application cycle is currently closed. Click HERE to be notified once our application cycle reopens.
How We Choose
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, 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. Income must fall within HUD guidelines adjusted for household size.
Requirements
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: wages, Social Security disability, SSI, TANF, pensions/retirement, and child support.
FY 2026 HUD Income Limits
Household Income Guidelines
| People in Home | Min Incomebefore taxes | Max Incomebefore taxes |
|---|---|---|
| 1 person | $33,000 | $66,000 |
| 2 people | $37,720 | $75,400 |
| 3 people | $42,440 | $84,850 |
| 4 people | $47,120 | $94,250 |
| 5 people | $50,920 | $101,800 |
| 6 people | $54,680 | $109,350 |
| 7 people | $58,440 | $116,900 |
| 8 people | $62,200 | $124,450 |
Source: FY 2026 HUD Income Limits
Stay Informed
Homeowner Interest Form
We are currently not accepting applications. Once the application cycle is open, we will send an email with further information. Please provide your information below.
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.