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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

 

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. 

Homeowner Information Sessions

JULY

29

Sumter Habitat for Humanity 2021 Homeowner Information Session

6:00pm - 7:30pm

812 South Guignard Drive