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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 400 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

 

Getting Started

Our Homeownership Program Information Sessions occur on an “As Needed” basis. As we have just ended an information session on August 4, 2021, this part of the cycle is now closed. Please use the form located on our Contact Us page to indicate you are interested in the Homeownership Program, and we will send you an email when the next cycle begins! You may also check back here regularly for updates.

Application Steps

 1    Information Session
2   Submit an Application
3   Application Processing
4   Home Visit
5   Sign Documentation

STEP

01

Information Session

All interested individuals are invited to attend a mandatory program information session and will receive the program application packet required to move forward in the process.

Our Homeownership Program Information Sessions occur on an "As Needed" basis. This part of the cycle is currently closed. Check back here regularly for updates! 

Current Program Applicants

Please submit your completed program applications in person to our office at 812 South Guignard Drive.
DATES: August 3 - August 31, 2021
Tuesday - Thursday 10am to 4:30pm

Applications will be accepted when staff is available. Applications will not be accepted after 4:30 PM!