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How to Qualify

To qualify for homeownership, you must:

  1. Live or work for at least one year in Utah County.

  2. Be a U.S. citizen or have permanent resident status.

  3. Have the same source of income for at least six months (or show improvement of income).

  4. Earn 25% - 60% of the Area Median Income. Refer to the chart below and match your total family income with the total number of family members to check your income eligibility.

    Number of Family Members: 1 2 3 4 5 6 7 8
    Earn at
    least:    		 $11,750 $13,425 $15,100 $16,775 $18,125 $19,475 $20,825 $22,165
    No more
    than:    		 $28,200 $32,220 $36,240 $40,260 $43,500 $46,740 $49,980 $53,160

  5. Have less than 30% of your income going to debt. Bankruptcy has to be resolved for at least 2 years.

  6. Currently live in substandard housing (water leaks, overcrowding, electrical or heating problems).

  7. Show a need, the ability to pay monthly house payments, a downpayment of $500 plus closing costs, and be willing to partner with the local Habitat affiliate. Sweat equity hours are required (500 hrs. for 2 parent, 350 hrs. for single parent).

  8. Attend an orientation session (usually held in the Spring) to fill out a program application.

If you meet these qualifications and are interested in participating in our affordable homeownership program, pleaes call (801) 344-8527 to have your name put on our orientation list. You will be notified when the next orientation will be held.

General Information

  • Sweat equity hours must be completed by house closing.
  • Downpayment and closing costs must be provided by house closing.
  • Size of house is determined by current size of family. We do not build for the future. We will consider current pregnancy and other relatives who will join you soon.
  • We accept families who are on Section 8 Housing.
  • We check the sexual offenders registry.
  • We perform credit reports on all mortgage signers. You must sign a CR authorization.
  • Houses can take 8 - 24 months to complete.
  • Medical debt will be considered separately.
  • Child Support counts as debt.
  • Judgments: show completion or payoff arrangement. Must be completed by house closing.
  • Social Security and Child Support count as income.
  • Food stamps, welfare, and unemployment benefits do not count as income.
  • If you wish to apply, you must attend the orientation session yourself. You cannot attend for someone else.