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Requirements for Homeownership Applicants

Application form for home ownership

Habitat’s acceptance guidelines are based on consideration of the following criteria:

Need for Housing

The applicant(s) must demonstrate that their current housing situation has one or more of the following characteristics:

  • Unsafe or very poor conditions or located in a particularly unsafe area;

  • Rent, or contribution currently paid towards rent, exceeds 35% of net income;

  • Size in inadequate for the present or anticipated residents;

  • Other facts demonstrating a need for the type of housing Habitat can provide, that goes beyond a personal desire to own a home.

Applicants will not be approved if they qualify for conventional financing or presently own real estate. Otherwise, eligible applicants are not disqualified because they may qualify for another subsidy program, governmental or charitable, or tax deferral.

Demonstrated Ability to Pay

  • Gross household income must be between 30% and 60% of the median income for the Salina area at the time of application; 

  • A two-year history of stable income and employment;

  • An acceptable credit history, which includes a good record of paying rent and utilities;

  • Bankruptcies must have been discharged for two years;

  • Ability to pay $300 down payment on the house prior to closing;

  • Ability to afford anticipated mortgage payments. Monthly payments for debt cannot exceed 40% of gross monthly income;

  • Applicants must be U.S. citizens or permanent resident aliens.

Willingness to Partner with Salina Habitat for Humanity 

  • “Sweat Equity” is required. Total 350 hrs; 50 hrs training, 150 hrs from direct family, 150 hrs from extended family and friends.

  • It is NOT a giveaway program – families must make payments. (They pay the principal over 25 years, but without interest.)

  • Applicant must be willing to live in a neighborhood in which Habitat is currently building;

  • Applicant must be willing to attend required workshops for success in homeownership.

Salina Habitat for Humanity is an equal opportunity housing provider. It considers applicants without regard to race, religious preference, gender, handicap, familial status or national origin.

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