Homebuyer Program

Building strength, stability, and self-reliance through shelter

We are currently not accepting any applications. We do not have a date scheduled for the future application cycle.

Please read the Qualifications and Selection Process. Click the button at the bottom of the page to submit an interest form for our program if you believe you qualify.
People in your community and all over the world partner with Habitat for Humanity to build or improve a place they can call home. Habitat homeowners help build their own homes alongside volunteers and pay an affordable mortgage. With our help, Habitat homeowners achieve the strength, stability and independence they need to build a better life for themselves and their families.

Qualifications

To apply for homeownership with North Central Georgia Habitat:

You must be a US citizen or permanent legal resident.
You must be a first-time home-buyer.
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	$30,120	$52,710
2	$34,400	$60,200
3	$38,720	$67,760
4	$43,000	$75,250
5	$46,440	$81,270
6	$49,880	$87,290
7	$53,320	$93,310
8	$56,760	$99,330

Source: FY 2024 HUD Income Limits

Criteria

Homeowners are selected based on three criteria:

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.

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 six homeowner education classes.

Ability to Pay

You have a steady, verifiable source of income.
You have good credit (based on your credit report, NOT your credit score).

Selection Process

Homeowners are selected based on three criteria:

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.

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

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).