Own A Habitat Home

Habitat for Humanity builds with qualified families to make decent and affordable homes in Whatcom County.

Habitat offers future home owners a decent home and an affordable mortgage. Owning a Habitat home is often more cost effective than renting a house or even an apartment! Habitat homeowners are building strength, stability, independence, and shelter for a better future.

Habitat is a permanent, not an immediate, housing solution. If you qualify for our home ownership program, it may take a year or more from the time you qualify to the time your house is complete.

qualifying for our program

To qualify for our program, you must have lived in Whatcom County and in substandard conditions for the last year and be considered low-income. You must earn more than 30% and less than 60% of area median income for a family of your size. (See the Income Eligibility Guidelines chart on the Homebuyer Interest Form). You must also meet these requirements:

  1. Participants are living in substandard or unsafe conditions. There are five different circumstances that Habitat calls "substandard" or "unsafe." To qualify you must meet one or more of them. They are structural problems, overcrowding, cost burden (paying more than 50% of your income to housing), dangerous neighborhood, and transitional housing. Please review the Home Ownership Application provided with the Preliminary Application to learn more about specific examples of substandard or unsafe conditions.
  2.  Participants have the ability to make monthly payments on your Habitat Home and have good credit.  Habitat for Humanity sells homes at cost to approved applicants.  The average range of costs in 2015 is between $125,000 and $175,000.  This means your monthly mortgage payment should range between $350 and $500 per month, plus taxes and insurance.
  3. participants show a willingness to partner.  Future homeowners are asked to complete 500 hours of sweat equity before purchasing their home. We ask that our home buyers demonstrate effort and good faith in working together with us.

All applications are processed by our Homebuyer Selection Committee, all of whom are volunteers.

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