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Application Cycle
Now Open

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.

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. 

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