Become a Habitat for Humanity Homeowner

Habitat provides you with the support from our Family Services team that will educate and coach you on your path to homeownership.  We can help you buy a safe and well-built home you will love with an average mortgage payment of about $850/month

Start your homeowner journey Today!

Take the Pre-assessment to see if you meet pre qualification. All applications will be added to the waitlist. 

Take the Pre-assessment

Qualifications

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First-time homebuyer

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No outstanding liens or judgements

Check here to find out if you have outstanding judgements or liens

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You must be able to open a TDECU bank account

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200 partnership hours

Through volunteering and homeowner education.

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Income 35%–80% of area AMI

Monthly income must fall within your county's Area Median Income range. check AMI for your county here

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Must Have lived in our service area within the past 12 months

Service area includes Goliad, Dewitt, Jackson, Lavaca, Victoria and Calhoun counties.

Do I qualify?

To qualify for Habitat's homeownership program, your monthly household income must fall between 35% and 80% of your county's Area Median Income.

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About AMI: Area Median Income is the midpoint of a region's income distribution, updated annually by HUD. Income limits shown are monthly. Contact us if you have questions about eligibility.
"I thank God for this opportunity and for allowing me to meet and work side by side with others that see the beauty that Habitat grows in the hearts of anyone who participates in the program." - Ashley

The Mortgage

            Every Habitat homeowner carries an affordable mortgage which must be repaid over a 30-year period. Golden Crescent Habitat for Humanity guarantees that monthly payments will equal no more than 30 percent (Federal guidelines for affordability) of their income at the time of purchase, leaving adequate income for other necessities such as food, clothing, transportation and health care.

Ready to Apply?

Take the Pre-assessment to see if you meet pre qualification. All applications will be added to the waitlist. 

Take the Pre-assessment

Required Documents

    • Utility bills in your name (electric, gas, phone, cable, etc.).
    • Rent Receipts
    • Loans (including student loans/credit cards/car payments, etc.)(must show remaining principle balance)
    • Previous two years Income Tax Returns and proof of filing for each year required.
    • From employer: 1099 or W2
    • Payroll stubs for the past three months
    • Bank Statements from past three months
    • SSI letter stating amount of monthly payments
    • Social Security Administration letter verifying disability and amount of monthly payments
    • Current residential lease agreement
    • Driver's License/ID
    • Social Security Card
    • Divorce decree
    • Court order for Child Support and record of payment for 12 consecutive months

What it means to be a habitat homeowner

Have Questions?

Check the FAQ here