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Eligibility:
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Must meet three core qualifications:
1. Need for adequate shelter: families must be experiencing at least one of the following conditions in their current living situation:
- Substandard conditions (mold, lack of electricity, unsafe, etc.)
- Overcrowded conditions
- Paying too much for rent (more than 50% of their gross income)
- Currently using Housing Choice Voucher Program or another income adjusted rental program
2. Willingness to partner: applicants must be willing to act as a partner with Habitat for Humanity of Greater Sacramento. Partner families must sign a partnership agreement and agree to:
- Contribute 500 hours of sweat equity building their home and the homes of other partner families
- Share their story through our website, interviews, videos, and more
- Complete homeowner education workshops
- Attend Habitat events and homeowner meetings
- Stay in good communication with Habitat staff throughout
- Make mortgage payments on time
3. Ability to pay: applicants must be able to pay for the house. A typical mortgage is 30% of the homeowner’s gross monthly income and includes property taxes and insurance.
- An applicant’s income should fall within 30-80% of the Sacramento County Area Median Income (AMI) range listed below.
Income-Based Eligibility Guidelines:
Household size of 2: minimum income of $30,900; maximum income of $82,350
Household size of 3: minimum income of $34,750; maximum income of $92,650
Household size of 4: minimum income of $38,600; maximum income of $102,900
Household size of 5: minimum income of $41,700; maximum income of $111,150
Household size of 6: minimum income of $44,800; maximum income of $119,400
Household size of 7: minimum income of $48,650; maximum income of $127,600
Household size of 8: minimum income of $54,150; maximum income of $135,850
Additional requirements:
- Applicant must be a US Citizen or Legal Permanent Resident.
- Applicant cannot own any other real or residential property.
- Applicant cannot have filed for bankruptcy in the last five years.
- Applicant must be living or working in Sacramento for the past year.
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