Becoming a Habitat Homeowner

What We Do

Columbus-Lowndes Habitat for Humanity (CLHFH) is a not-for-profit Christian ministry that builds homes in partnership with low-income families. Volunteers join partner families in building their homes. Families repay Habitat by making monthly payments on an affordable mortgage. CLHFH makes no profit.

Who qualifies for a CLHFH home? 

Successful applicants must have:

1. A problem with their current housing such as overcrowding, housing in poor condition, unsafe neighborhood, etc.

2. Been unable to secure and/or maintain a conventional mortgage.

3. A low, but steady, earned income.

4. A willingness to work on their homes as well as other Habitat projects.

5. The ability to repay CLHFH for the cost of the home by means of monthly mortgage payments.

Before taking ownership of the home, the future CLHFH Home Owner must volunteer a total of 300 hours.

Financial Qualifications:

A single person family must make a minimum annual income of $11,640, a maximum annual income of $31,050, and a maximum monthly of $2,587.

A family of two people must make a minimum annual income of $13,320, a maximum annual income of $35,450, and a maximum monthly of $2,954.

 

A family of three people must make a minimum annual income of $14,970, a maximum annual income of $35,450, and a maximum monthly of $3,325.

A family of four people must make a minimum annual income of $16,620, a maximum annual income of $44,300, and a maximum monthly of $3,691.

A family of five people must make a minimum annual income of $17,970, a maximum annual income of $47,850, and a maximum monthly of $3,987.

A family of six people must make a minimum annual income of $19,290, a maximum annual income of $51,400, and a maximum monthly of $4,283.

A family of seven people must make a minimum annual income of $20,610, a maximum annual income of $54,950, and a monthly maximum of $4,579.

A family of eight people must make a minimum annual income of $21,960, a maximum annual income of $58,500, and a monthly maximum of $4,875.

Include Social Security Income, Disability, Child Support, Alimony, Wages, Earned Income Tax Credit and any other income for all wage earners. Above are just guidelines. Families falling slightly outside of these income requirements may still be eligible.

There are other steps and requirements to becoming a homeowner, for any questions regarding housing or to schedule an appointment to apply for a Habitat home, please call Kathy Arinder at (662) 329-2501.