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qualifications

Need for Housing
  • Living in overcrowded housing
  • Living in substandard housing (water leaks, electrical or heating problems, etc.)
Willingness to Partner
  • Minimum requirement of 300 hours of sweat equity for a single-parent household
  • Minimum requirement of 450 hours for a two-parent household
  • Attend other programs, events and classes as required by HFHUC
General Information
  • Live or work for one year in Utah County.
  • Must be a U.S. Citizen or have permanent resident status.
  • Have the same source of income for at least six months (or show improvement of income)
Ability to Pay
  • Your debt-to-income (DTI) ratio must be between 30-43%
  • Required at closing: $500 down payment and closing costs (approx. $2,000)
  • You must have the ability to make a monthly mortgage payment
  • Bankruptcy must be resolved for at least two years
  • Earn 30%-80% of the Area Median Income (AMI). Refer to the chart below and match your total family income with the total number of family members to check your income eligibility

2020 AMI Breakdown

getting started

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

Application Steps

  1. 1 Request An Application**
  2. 2 Income & Credit Report
  3. 3 Orientation Session
  4. 4 Complete Documentation
  5. 5 Background Check
  6. 6 Visit & Interview
  7. 7 Pre-Approval

Step 01

Request An Application**

Fill out the application packet carefully and submit all required documentation:

  1. Completed application
  2. Two recent months of paystubs (and/or proof of any other stable income)
  3. $20 application fee.

Step 02

Income & Credit Report

Habitat of Utah County calculates your income and pulls a credit report. If income and credit meet our requirements, you will be invited to participate in step 3.

Step 03

Orientation Session

Applicants that meet the initial criteria will be invited to attend a mandatory 1-hour orientation session and will receive a documentation packet required to move forward in the process.

Step 04

Complete Documentation

Submit all items requested in the documentation packet by the deadline provided.

Step 05

Background Check

Your criminal background, employment history and rental history are verified.

Step 06

Visit & Interview

Two members of the Homeowner Selection Committee will contact you to set up a time to visit and interview at your current residence.

Step 07

Pre-Approval

Pre-approved applicants begin Homeowner-In-Process training, which includes attending mandatory homeownership classes and completing the required number of Sweat Equity hours.