Homeownership

homeownership

The application period is January 3, 2022 through January 31, 2022

how do I qualify

1. Need for Better Housing:

Need for Better Housing can mean, but is not limited to:

  • structural problems, plumbing problems, roofing problems
  • extremely high rent (more than 30% of your income) or extremely high utility bills
  • unsafe area for children
  • too many people in a small home

2. Ability to Pay

  • Habitat homes are sold with an affordable mortgage.
  • The Table below shows the Lee County, MS 2020 HUD income limits. We select families between 30% and 60% of median annual income.
  • We want to make sure families are able to make their house payments.
Household Size
Median Income1 Person2 People3 People4 People5 People6 People7 People8 People
60%$30,156$34,464$38,772$43,080$46,526$49,973$53,419$52,127
50%$22,610$25,840$29,070$32,300$34,884$37,468$40,052$42,636
40%$20,104$22,976$25,848$28,720$31,018$33,315$35,613$37,910
35%$17,591$20,104$22,617$25,130$27,140$29,151$31,161$33,172

3. Willingness to Partner

  • If you are selected for a Habitat home, you must put in 300 sweat equity hours.
  • Sweat equity hours are earned volunteering on construction for other partner families’ homes.
  • Sweat equity hours can also be earned through other volunteer opportunities.
  • If selected, you must also complete Homeowner education courses.

a few important items

  • Only a few families will be selected for Habitat Homeownership.
  • The Habitat process takes a while. It usually takes Habitat partners from 1-2 years to earn sweat equity hours and begin construction on new homes.