Description: Partners with qualified low-income families and the local community to build homes in Sacramento County. Acquires land that makes development affordable to future homeowners. Habitat Homes are located throughout Sacramento County and are typically simple, all-electric single-family homes consisting of 3 to 4 bedrooms, some private outdoor space, and a garage. Fill out the information request to be notified when applications open in Winter 2024/2025.
Eligibility: 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 program2. 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 time3. 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 $28,300; maximum income of $75,450Household size of 3: minimum income of $31,850; maximum income of $84,900Household size of 4: minimum income of $35,350; maximum income of $94,300Household size of 5: minimum income of $38,200; maximum income of $101,850Household size of 6: minimum income of $41,960; maximum income of $109,400Household size of 7: minimum income of $47,340; maximum income of $116,950Household size of 8: minimum income of $52,720; maximum income of $124,500Additional 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.
Requirements: - HFHGS homeownership application packet- CA driver's license or photo identification card- Social Security Card- Birth certificates or proof of citizenship- DD214 (if applicable)- Employment verification (including a letter to verify employment)- 6 months of pay stubs- SSI/SSA income statement of benefits- Public assistance verification (if applicable)- Bank statements for all accounts- Income tax returns for the prior 2 years- Other income/wage verification- Current credit report- Vehicle registration and insurance- Utilities and phone bill- List of 5 references- A personal statement
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