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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.

 

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

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

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.

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 view a mandatory Homeownership Program Information presentation during the open application cycle, complete a quiz demonstrating you watched the presentation (you much answer 6 of the 8 questions correctly), an application packet will be emailed to you within 72 hours. 

If you answer more than 2 questions incorrectly, you will be notified to reread the presentation and submit another quiz.

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