Homeownership is within reach!

Sumter Habitat for Humanity makes homeownership possible for those who meet the income qualifications, offering affordable mortgage loans to purchase homes built by Habitat.


Eligible applicants will be U.S. citizens or permanent residents, meet criminal background check requirements, and have an ability to afford homeownership, a housing need, and a willingness to partner with Habitat as described further below. During each application period, additional criteria may apply.

Ability to Afford Homeownership

Eligible applicants will demonstrate ability to afford the monthly mortgage and household expenses by meeting the criteria below.

Income—Habitat requires steady income history for the last two years in the United States with at least six months of history for current employment or income sources. Self-employed individuals must have at least one full year’s tax filings showing self-employment income. See the chart below for general income guidelines. These are subject to change, and having income within these guidelines does not guarantee eligibility.

Household Size
Minimum Annual Income
Maximum Annual Income

Last updated June 9, 2021.

Credit—While Habitat does not general have a credit score requirement, old debts such as collection and judgements must be less than $2,000 at the time of application and must be resolved before the purchase of the home. An additional $2,000 of medical collections may be allowed if making payments on these. We also consider recent history or payments on rent, utilities, loans, and other expenses, and the amount of monthly loan payments, including estimates for deferred student loans. Bankruptcies must have been discharged or dismissed for two years for Chapter 13 and three years for Chapter 7. You can order a free copy of your credit report from www.annualcreditreport.com, or by
calling 1-877-322-8228.

Savings—Applicants must be able to save $1,500 for closing costs within approximately 12 months.


Housing Need

Applicants will demonstrate housing need by having an income within the current household limits (see chart). Higher priority is given to those with additional housing concerns such as living in overcrowded conditions, temporary homes, or unsafe environments; needing accessibility for a household member with a disability; or paying rent higher than 30% of gross income. If qualified
financially, applicants will receive a home visit to further evaluate their need. Applicants should not have owned a home in the last three years nor had a foreclosure in the last four years. Sumter Habitat for Humanity serves those living or working in Sumter County. For Habitat affiliates in other areas, please visit www.habitat.org.

Willingness to Partner

Applicants must be willing and able to attend several homeownership classes, volunteer to build their home and/or others’ homes, and volunteer in the Habitat ReStore. Habitat calls this “sweat equity.” (Accommodations can be made for applicants with disabilities.) Applicants must also be willing to accept the location and design of homes Habitat has available. Current details are provided at
Information Meetings, and attendance is required before the application process. To see available dates and sign up for an Information Meeting, click the button below.