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