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about

Charleston Habitat for Humanity builds and sells affordable homes in partnership with qualified families. Homes are sold at no-profit and financed with no-interest mortgages. The program is an equal opportunity program and so qualified applicants are encouraged to apply regardless of race, creed, gender, disability, ethnic background or any other characteristics protected by law.

 

application - OPEN!

The application process typically takes two months to complete as we have to verify the information provided on your application; obtain employer and landlord references; run credit reports and background checks; and conduct home visit interviews. We look for a credit score over 600; a clean criminal record; and a financial profile that enables the applicant to pay closing costs of $1,500 and afford a monthly mortgage of approximately $500.  Once in the program, it takes between 9 and 15 months to finish the program requirements.

Click here to download the Charleston Habitat for Humanity Homeownership Application. Completed applications will be accepted at 731 Meeting Street, from May 21st through June 4th 2019 during normal business hours.

 

qualifications

Families are selected based on their ability to pay a Habitat mortgage, housing need, and willingness to partner by completing 400 hours of sweat equity. Applicants must live or work for at least the last six months in North Charleston, West Ashley, or downtown Charleston.

Qualified applicants must earn a gross annual income (before taxes) of between 35% and 60% of area median income adjusted for family size.  For 2019, the income ranges for each family size are as follows:

Family Size of 1, minimum annual income $19,075; maximum annual income $32,700

Family Size of 2, minimum annual income $21,840; maximum annual income $37,440

Family Size of 3, minimum annual income $24,570; maximum annual income $42,120

Family Size of 4, minimum annual income $27,265; maximum annual income $46,740

Family Size of 5, minimum annual income $29,470; maximum annual income $50,520

Family Size of 6, minimum annual income $31,640; maximum annual income $54,240

Family Size of 7, minimum annual income $33,845; maximum annual income $58,020

Family Size of 8, minimum annual income $36,015; maximum annual income $61,740

 

For more information please contact Candice Sims at 843-722-7145 or candice@charlestonhabitat.org.

 

veterans build

application - OPEN!

Similar to our general home-ownership program, families are selected based on their ability to pay a Habitat mortgage, housing need, and willingness to partner by completing 350 hours of sweat equity. Applicants must live or work for at least the last six months in North Charleston, West Ashley, or downtown Charleston.

Click here to to download the Charleston Habitat for Humanity Veteran’s Build Homeownership Application. Completed applications will be accepted at 731 Meeting Street during normal business hours.

Qualified applicants must earn a gross annual income (before taxes) of between 35% and 80% of area median income adjusted for family size.  For 2019, the income ranges for each family size are as follows:

Family Size of 1, minimum annual income $19,075; maximum annual income $43,600

Family Size of 2, minimum annual income $21,840; maximum annual income $49,920

Family Size of 3, minimum annual income $24,570; maximum annual income $56,160

Family Size of 4, minimum annual income $27,265; maximum annual income $62,320

Family Size of 5, minimum annual income $29,470; maximum annual income $67,360

Family Size of 6, minimum annual income $31,640; maximum annual income $72,320

Family Size of 7, minimum annual income $33,845; maximum annual income $77,360

Family Size of 8, minimum annual income $36,015; maximum annual income $82,320

 

For more information please contact Candice Sims at 843-722-7145 or candice@charlestonhabitat.org.

 

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