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deserves a decent and affordable place to call home

How do I become a Habitat Homeowner?

Do you meet the following criteria:

Prospective Habitat homeowners must demonstrate a need for safe, affordable housing. Need will vary from community to community.


Homeowners must be able and willing to pay an affordable mortgage. Mortgage payments are cycled back into the community to help build additional Habitat houses.

All applicants must pass a criminal background check and will have a credit evaluation. 


Once selected, Habitat homeowners must partner with us throughout the process. This partnership includes performing “sweat equity,” or helping to build their own home or the homes of others in our homeownership program. Sweat equity can also include taking homeownership classes or performing volunteer work in a Habitat ReStore.

Can anyone be a Habitat Homeowner? 

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Yes. Habitat follows a nondiscriminatory policy of homebuyer selection. Neither race nor religion is a factor.

All applications must meet these qualifications:

  • Be a first time home buyer;

  • Be a citizen or permanent legal resident of the US who has lived or worked in Bell, Coryell, or Lampasas county for at least six months;

  • Willingness to partner in the Fort Hood Area Habitat sweat equity program (volunteering in ReStore, Build Sites and Fundraising Events)

  • Your monthly income must fall between 30-60% of the median income.  Please see chart below to see if you are eligible for our home ownership program. 

If you do not meet all of these qualifications now, there may still be an opportunity for you to apply if your situation changes.


If you meet these qualifications, click here to learn more about the application process.

HUD  Area Median Income Guidelines