Home Ownership

Please note: We are currently not accepting applications for home ownership.

We will post information and an application here when we are accepting applications. Please contact us if you would like to be notified when we are accepting applications.

2019 eligibility guidelines:

Habitat partner families are selected by our Family Committee through a careful application review and interview process. Please realize that the application process may take four months or longer from date of submission to final approval.

If you are unsure about your eligibility for a Habitat home, please call or email us with your questions.

Upper Valley Habitat will review your application using the following criteria:

  1. You must demonstrate a need for an Upper Valley Habitat home, including one or more of the following:

    • Your current housing situation is inadequate and substandard (for instance, overcrowded or unsafe).

    • You are living with family or friends, or in temporary housing.

    • Your current monthly housing expenses require a significant portion of your income.

    • You have accessibility needs that cannot be met in your current housing situation.

  2. You are unable to access conventional bank financing.

  3. Your total family income must be between 30% and 80% of County Median Family Income, adjusted for the size of the family. See the table for further detail.

  4. You commit to pay an interest free or low interest rate mortgage.

  5. You agree to provide 500 hours of “sweat equity” into building the home (including financial and home ownership education classes). In the case of a disability or other extenuating circumstances, we will make special arrangements to accommodate your needs.

  6. You must be a resident of the Upper Valley for at least one year.

  7. You need to have reliable and verifiable income. This includes wages, pensions, disability, TANF, SSI, child support, but does not include any form of vouchers or vendor payments such as food stamps, fuel assistance, or similar programs.

  8. Once you are fully approved, we require a $1,000 down payment to secure your commitment for a Habitat home.

  9. You agree to a sustainable commitment to responsible home ownership, and to an on-going partnership with Upper Valley Habitat for Humanity.

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