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About our program: 

We build decent and affordable homes in partnership with families in need of a decent place to live. Habitat homebuyers help build their own homes alongside volunteers and then purchase their home to pay an affordable mortgage.

The homes we build may come in different shapes and sizes, but they all share the same Habitat principles:


Did you know? Fort Hood Area Habitat for Humanity is not federally funded nor funded by Habitat for Humanity International. We have to pay an annual fee to be considered part of the Habitat family. Our homeownership program relies heavily on local partnerships and community involvement to determine how many homes we can build and how long it takes to build them. You can support our program by making a donation, or volunteering on one of our build sites.  


Habitat homes are modestly sized. They are large enough for the homeowner family’s needs, but small enough to keep construction and maintenance costs affordable.

We use quality, locally available building materials and our home designs reflect reasonable housing trends .


The labor of volunteers and partner families, efficient building methods, modest house sizes, and no-profit loans make it affordable for low-income families to purchase Habitat homes.

Who are we currently serving? 

How to become a Habitat Homebuyer

Our program screening begins with the demonstration of three primary criteria: Need for Shelter, Ability to Pay an affordable mortgage, and Willingness to partner with us. We partner with hopeful homebuyers throughout their journey toward homeownership from the time an application is submitted until the home dedication ceremony. Our family services team works with applicants on budgeting, financial education, credit repair, home maintenance, closing expectations, and more. The timeline from an approved application to home dedication can range from 12 - 18 months. During that time, our partner-families are building relationships and gaining skills, knowledge, and resources to reference long after they've completed our program.  

Program qualifications:


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


Habitat Homebuyers 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 be subject to a credit assessment / financial plan. 


Once selected, partner-families must partner with us throughout their journey toward homeownership. 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 financial classes or performing volunteer work in a Habitat ReStore.

All applicants must

  • 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;

  • Display 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 30-80% of the median income.  Please see our chart below to check your eligibility.

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.

Can anyone apply to become a Habitat Homebuyer? 

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

Make an impact.

Every single one of us deserves the opportunity for a better future, and decent shelter is the most critical element to living well.

When Habitat Homeowners partner with us, they begin a journey to a better, healthier, more financially stable life. Every child, every parent, every person, deserves to feel strength and stability; and every single one of us can do something right now to help make that possible for another family.

Your financial support, your voice, and your time will help bring strength, stability and self-reliance to families in need of a decent place to live. Partner with us and impact the lives of Central Texans. 

We're building hope, homes, and stronger communities, with support from our partners: 


Program Announcements

Our affiliate is not currently processing screening questionnaires for our Homeownership Program at this time. Unfortunately, the rise in material costs and current labor shortages have delayed our current build cycle and we need to focus our efforts on the families currently being served through our program. 

We will post updates on our Facebook Page when our next Homeownership Briefing is scheduled.


Please fill out the interest form to be added to our next briefing invitation list. Our Interest Form stays actively monitored by our Family Services team. 

HUD  Area Median Income Chart
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