Become a Homeowner

Please read the qualifications and click the button at the bottom of the page to submit an interest form for our program. 

We will not be accepting applications until 2025. We do not have a date scheduled for the future application cycle.

People in your community and all over the world partner with Habitat for Humanity to build or improve a place they can call home. Habitat homeowners help build their own homes alongside volunteers and pay an affordable mortgage. With our help, Habitat homeowners achieve the strength, stability and independence they need to build a better life for themselves and their families.

Qualifications

To apply for homeownership with NW Metro Atlanta Habitat:

  • You must be a US citizen or permanent legal resident
  • You must be a first-time home-buyer
  • You must live or work in Cobb, Douglas or Paulding County for at least one year
  • You must have lived independently for at least one year
  • Your household income before taxes must be within the following limits:
Slide
Household Size Minimum Income Maximum Income
1 $35,750 $57,200
2 $40,850 $65,350
3 $45,950 $73,500
4 $51,050 $81,650
5 $55,150 $88,200
6 $59,250 $94,750
7 $63,350 $101,250
8 $67,400 $107,800

Source: 2022 U. S. Department of Housing and Urban Development (HUD) www.huduser.gov
*Income of all persons living in the household

Selection Process

Homeowners are selected based on three criteria:

1. Need for Housing

  • You are unable to obtain a conventional mortgage
  • Your rent is too high compared to your income
  • Your current residence has maintenance issues that are not being addressed by the landlord
  • Your current residence is too small for your family

2. Willingness to Partner

  • You agree to complete 200 hours of sweat equity. Sweat equity hours are earned by helping to build your home alongside volunteers and doing community service.
  • You agree to complete all assigned homeowner education.
  • You plan to fulfill your partnership with Habitat after purchasing the home by:
        • Paying your mortgage on time
        • Maintaining your home and lawn
        • Observing all county and city ordinances and Habitat covenants
        • Being a good neighbor
        • Being a good representative of Habitat for Humanity

3. Ability to Pay

  • Your income is enough to pay the monthly mortgage, including taxes and homeowner’s insurance, in addition to your other bills
  • Your income and work history is stable and verifiable
  • You demonstrate financial responsibility
  • Your income falls within Habitat’s income guidelines

Submit an interest form