Our Homeownership Program applications are available online November 1, 2022 through 3:00pm on December 30, 2022. Scroll down to read through the steps on how to apply.
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
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?
All interested individuals are encouraged to review the Homeownership Program Information by clicking on the
"Eligibility Requirements" button.
You are applying for homeownership and it takes a lot of work. Commit to this process!