Athens County Habitat for Humanity empowers people who qualify to build and buy their own homes.
Selected families commit to 250 hours of "sweat equity," as a reasonable down payment, personal finance workshops, education on home safety, guidance for participating in a homeowners' association, and monthly mortgage payments set at no more than 30% of household income.
Habitat Homeowners are selected based on the following criteria:
Need for adequate housing:
- Current housing is sub-standard or
- Overcrowded living conditions or
- Current neighborhood unsafe or
- More than 30% of monthly income spent on housing
- Maximum income 60% of area median income
- Family of 1 yearly gross income range: $11,300–$22,600
- Family of 2 yearly gross income range: $12,900–$25,800
- Family of 3 yearly gross income range: $14,500–$29,000
- Family of 4 yearly gross income range: $16,100–$32,200
- Family of 5 yearly gross income range: $17,400–$34,800
- Family of 6 yearly gross income range: $18,700–$37,400
Ability to pay for a Habitat home:
- Gross income of at least 30% of area median income
- Family must have stable income
- Applicants must have a legal right to work in the United States
- Maximum debt to gross income ratio should not be more than 40%
- Meet Habitat's minimum credit history requirements
Willingness to partner with Habitat:
- Invest "sweat equity hours" in the construction of your home and in helping to build other Habitat Partner homes.
- Attend 5 evening Homeowner-In-Process (HIP) 2 hour workshops