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Qualifications
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Application cycle is closed

We are not providing or accepting applications for the Sumter Habitat for Humanity Homeownership Program at this time.

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Please continue to check here for information on how to apply once we open the application cycle.

Qualifications 

NEED FOR HOUSING

  • Paying more than 30% of gross income on utilities and rent

  • Living in overcrowded housing

  • Living in substandard housing

  • Being a resident of subsidized housing

  • Does not own a home at time of application

ABILITY TO PAY

  • Income: must be stable and fall between 30-80% of HUD Area Median Income Guidelines

  • Delinquent Debt: All delinquent debt must be paid off before home purchase

  • Outstanding Debt: Total debt to income ratio must not exceed 43%

  • Credit Score: Sumter Habitat for Humanity does not require a minimum credit score for approval

WILLINGNESS TO PARTNER

  • Household willing to perform minimum of 300 Sweat Equity hours

  • Have lived or worked in Sumter County for the last year

  • Committed to a drug-free community and no serious criminal history

  • Completion of homebuyer education course

  • Completion of financial literacy course

  • Save for closing costs and other related expenses

  • Participate in Sumter Habitat for Humanity events

Application Steps

 1    Review the program information

2   Download and print the application

3   Review the checklist of                                      documents  to submit with the                    application

4  Submit the application and                             documents as instructed in the                 application packet

5  What happens after application                submission?
 

STEP

01

Review

All interested individuals are encouraged to review the  Homeownership Program Information by clicking on the

"Eligibility Requirements" button. 

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You are applying for homeownership and it takes a lot of work. Commit to this process!

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