Housing Programs

Owning a home is the epitome of the American Dream…

yet for many hard-working families in Forsyth County, homeownership seems an impossible accomplishment. Habitat for Humanity of Forsyth County allows hard working families to realize their dream.

Homeowners in the Process

Habitat families are people you encounter everyday. They drive your child’s school bus. They serve as nursing assistants in local hospitals. They may even greet you from behind the counter of a bank as they work hard to meet the day-to-day expenses of raising a family.

Habitat for Humanity of Forsyth County is a hand-up, not a hand-out, to hard-working families. Volunteers, and the families themselves, build quality homes in safe neighborhoods for those who meet income and work history requirements.

Habitat families must complete 300-400 social engagement, or sweat equity, hours through working on their own homes, other families’ homes or contributing volunteer hours at Habitat, before they can purchase their homes. They also attend a series of classes about subjects such as home ownership, maintenance, and financial management.

The families purchase their homes through an affordable 30-year loan. Their mortgage payments enable Habitat to continue the cycle, building more homes for Partner Families. The results are life-changing.

We are not currently accepting applications for the homeownership program. If you would like to be notified when the application process reopens, please contact Estela Torres at 336.306.8424 or estela.torres@habitatforsyth.org.

Qualification Guidelines

You must answer yes to three or four of the following questions to qualify for the Habitat homeownership process.

  1. Have you had steady income for the last 12 months?
  2. Have you lived in Forsyth County for the last 12 months?
  3. Is it overcrowded in your home?
  4. Are you living in sub-standard housing?
  5. Are you making monthly payments on all your debts?
  6. Are you willing to work 300-400 social engagement, or sweat equity, hours on Habitat homes?
  7. Does your total family income fall within the guidelines listed below?
2018 Income Guidelines
Family Size  Annual Income
1 $13,965 – 31,920
2 $15,960 – 36,480
3 $17,955 – 41,040
4 $19,915 – 45,520
5 $21,525 – 49,200
6 $23,135 – 52,880
7 $24,710 – 56,480
8 $26,320 – 60,160
Credit:
  • 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 $1,600-$1,800 within 12 months from approval for the down payment
Qualification Guidelines

You must answer yes to three or four of the following questions to qualify for the Habitat homeownership process.

  1. Have you had steady income for the last 12 months?
  2. Have you lived in Forsyth County for the last 12 months?
  3. Is it overcrowded in your home?
  4. Are you living in sub-standard housing?
  5. Are you making monthly payments on all your debts?
  6. Are you willing to work 300-400 social engagement, or sweat equity, hours on Habitat homes?
  7. Does your total family income fall within the guidelines listed below?
2018 Income Guidelines
Family Size  Annual Income
1 $13,965 – 31,920
2 $15,960 – 36,480
3 $17,955 – 41,040
4 $19,915 – 45,520
5 $21,525 – 49,200
6 $23,135 – 52,880
7 $24,710 – 56,480
8 $26,320 – 60,160
Credit:
  • 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 $1,600-$1,800 within 12 months from approval for the down payment