HOW TO QUALIFYHAVE A NEED - Are you living in substandard, inadequate, overcrowded housing, or otherwise able to demonstrate a need?
EDUCATION - Applicants must be willing to attend Homebuyer Education and Financial Peace University courses.
SWEAT EQUITY - Sweat equity is at the heart of our homeownership program and the 400 required hours are primarily done by working on the construction of your future home.
ABILITY TO PAY - Families must have stable, verifiable income sufficient to support a monthly mortgage payment of around $500-$600 and must not exceed the income guidelines listed below.
CREDIT CHECK - Your credit does not have to be perfect, but we do look for at least one year of stable rent and utility payments and work history.
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HOW TO QUALIFY
HAVE A NEED - Are you living in substandard, inadequate, overcrowded housing, or otherwise able to demonstrate a need?
EDUCATION - Applicants must be willing to attend Homebuyer Education and Financial Peace University courses.
SWEAT EQUITY - Sweat equity is at the heart of our homeownership program and the 400 required hours are primarily done by working on the construction of your future home.
ABILITY TO PAY - Families must have stable, verifiable income sufficient to support a monthly mortgage payment of around $500-$600 and must not exceed the income guidelines listed below.
CREDIT CHECK - Your credit does not have to be perfect, but we do look for at least one year of stable rent and utility payments and work history.
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INCOME GUIDELINESTo apply and quality for a Habitat for Humanity home, applicants must meet minimum and maximum income requirements.
While the applicant must be in need, they will also need to be able to cover the expense of the $500-$600/month no-interest Habitat Home mortgage. All wages, SSI, SSDI, food stamps, housing assistance, retirement, alimony, VA benefits, child support, and more are included in the decision making process for Habitat for Humanity home applicants. Habitat for Humanity housing applicants will need to contact Habitat for Humanity for more information on income guidelines, as these guidelines are subject to change annually. |
Size of Household |
Monthly Income |
Annual Income |
1 |
$2,125 |
$25,500 |
2 |
$2,881 |
$34,572 |
3 |
$3,637 |
$43,644 |
4 |
$4,393 |
$52,716 |
5 |
$5,149 |
$61,788 |
6 |
$5,905 |
$70,860 |
7 |
$6,661 |
$79,932 |
8 |
$7,417 |
$89,004 |
INCOME GUIDELINES
To apply and quality for a Habitat for Humanity home, applicants must meet minimum and maximum income requirements.
While the applicant must be in need, they will also need to be able to cover the expense of the $500-$600/month no-interest Habitat Home mortgage.
All wages, SSI, SSDI, food stamps, housing assistance, retirement, alimony, VA benefits, child support, and more are included in the decision making process for Habitat for Humanity home applicants.
Habitat for Humanity housing applicants will need to contact Habitat for Humanity for more information on income guidelines, as these guidelines are subject to change annually.
While the applicant must be in need, they will also need to be able to cover the expense of the $500-$600/month no-interest Habitat Home mortgage.
All wages, SSI, SSDI, food stamps, housing assistance, retirement, alimony, VA benefits, child support, and more are included in the decision making process for Habitat for Humanity home applicants.
Habitat for Humanity housing applicants will need to contact Habitat for Humanity for more information on income guidelines, as these guidelines are subject to change annually.
APPLY NOWWHAT HAPPENS NEXT?
After contacting Ponca City Area Habitat for Humanity, a phone interview will be conducted. If you qualify for the homeownership program, you will be invited to meet with the board, where you will be asked to provide proof of residency, income and additional information. Once initially approved, 50 sweat equity hours are required to be completed before moving on in the process. Every potential homeowner will be connected with a Habitat Nurturer to follow and assist them through the process. For families who qualify, it takes approximately a year and a half to complete the requirements for an interest-free Habitat home. |
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APPLY NOW
WHAT HAPPENS NEXT?
After contacting Ponca City Area Habitat for Humanity, a phone interview will be conducted. If you qualify for the homeownership program, you will be invited to meet with the board, where you will be asked to provide proof of residency, income and additional information.
Once initially approved, 50 sweat equity hours are required to be completed before moving on in the process.
Every potential homeowner will be connected with a Habitat Nurturer to follow and assist them through the process.
For families who qualify, it takes approximately a year and a half to complete the requirements for an interest-free Habitat home.
Once initially approved, 50 sweat equity hours are required to be completed before moving on in the process.
Every potential homeowner will be connected with a Habitat Nurturer to follow and assist them through the process.
For families who qualify, it takes approximately a year and a half to complete the requirements for an interest-free Habitat home.
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ALREADY A
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OWN A HOME?
ONLINE PAYMENT OPTION
LEARN ABOUT OUR HOME REPAIR PROGRAM
The Ponca City Area Habitat for Humanity Home Repair Program is offered to qualified homeowners so that they can address needed repairs for their home. By offering home improvement in exchange for the applicant volunteering 125 hours, the program helps preserve and ensure safe, decent and affordable housing in our community. This program is open to homeowners who obtained their home through Habitat for Humanity and those who did not.
