Before You Apply
Qualification Guidelines
You must answer yes to three or four of the following questions to qualify for the Habitat homeownership process.
- Have you had steady income for the last 12 months?
- Have you lived in Forsyth County for the last 12 months?
- Is it overcrowded in your home?
- Are you living in sub-standard housing?
- Are you making monthly payments on all your debts?
- Are you willing to work 300-400 social engagement, or sweat equity, hours on Habitat homes?
- Does your total family income fall within the guidelines listed below?
2022 Income Guidelines
Family Size | Annual Income |
1 | $15,103 – $34,520 |
2 | $17,255 – $39,440 |
3 | $19,408 – $44,360 |
4 | $21,560 – $49,280 |
5 | $23,293 – $53,240 |
6 | $25,025 – $57,200 |
7 | $26,740 – $61,120 |
8 | $28,473 – $65,080 |
- Non-Medical Collections Accounts must be less than $3,000
- No bankruptcies/foreclosures in the last five years
Rental History:
- Minimum 12 month rental history
Down Payment:
- Ability to save at least $1,800 to cover closing costs that will vary between $1,800 -$2,000
Mini Application and Forms
These are the forms needed to complete the Mini Application process:
Instructions for submitting your Mini Application
- Fill out all six sections of Mini Application.
- Proof of Income: Fill out top portion of employer verification form and have your employer fill out bottom portion
- Applicant and Co-applicant must provide proof of income.
- If Applicant / Co-applicant are receiving disability, social security, or retirement, please turn if proof of receiving this type of income for the year of 2020.
- If Applicant / Co-applicant are currently receiving child support and will be continuing to receive for the next 3 years, please turn in the court ordered documentation that should include:
- name of the courthouse/county where this took place
- name of the child/children who you are receiving the amount for
- name of the person/adult paying the child support
- amount of how much the court has ordered them/adult to pay
- effective/start date
- name of the clerk/signature or seal
- If Applicant / Co-applicant are self-employed, please provide your 2019 tax return.
- Proof of Residency: Fill out top portion of landlord verification form and have your landlord fill out bottom portion
- If you are unable to reach/contact your private landlord, please turn in a copy of your lease agreement for the year of 2020 and submit resident verification form
- Submit: Mini application, proof of income (employer verification form) and proof of residency (landlord verification form) must all be submitted together in one of three ways:
- EMAIL: estela.torres@habitatforsyth.org
- MAIL: Habitat for Humanity of Forsyth County, ATTN: Estela Torres, 1023 W. 14th Street, Winston-Salem, NC 27105
- IN-PERSON: Due to measures currently in place because of COVID-19, you will need to call ahead before dropping off your materials. 336.306.8402