Home Ownership
Support Our Mission
Habitat for Humanity's Homeownership Program
The Augusta/CSRA Habitat for Humanity Homeownership Program provides families in need with the opportunity to purchase safe, decent, and affordable homes through no-interest mortgages. This program is intended to empower and support individuals and families who are ready to partner with us to build their futures. Are you interested in joining our program? We’re happy to have you! Please read on to find out our criteria for your application.
ATTENTION RICHMOND and COLUMBIA COUNTY RESIDENTS:
Our 2024 Selection Cycle for the Homeownership Program (encompassing the 2024 build year) is currently closed. We will notify you once our Selection Cycle reopens. You can register for our Homeowner Application Orientation Session to stay updated on the process.
Selection Criteria
Augusta/CSRA Habitat for Humanity uses three criteria to determine whether or not a family qualifies for our homeownership program.
The following must be met:
Need for better housing: Potential homeowners must be currently experiencing overcrowded, unhealthy, or inadequate housing, paying more than 30% of their income on rent, living in handicap inaccessible homes, or experiencing other shelter needs.
Willingness to partner: Throughout the year-long build season, homeowners invest their time and energy into their future homes by dedicating 300 hours of sweat equity to help build their own homes or the homes of others in the program, attending 10+ workshops focused on financial literacy, budgeting, credit management, estate planning, home/yard maintenance, and more.
Ability to pay: Our homeownership program is a hand-up, not a hand-out. The homes are sold to families through affordable, no-interest mortgages. Our partner families must be able to pay a monthly mortgage payment.
Qualification Criteria
- Must be a Legal Permanent Resident of the United States. We serve Richmond and Columbia counties. Looking for a different county?
Find it here. - Your yearly income must fall within the below income guidelines, which are adjusted for family size.
- Note: We consider wages, Social Security disability, SSI, TANF, pensions/retirement, and child support as sources of income.
- You must have one year of continuous income.
- You must have a reasonably good credit history. It must be at least two years since you discharged any bankruptcies, and you must be making payments on your debts.
If you meet the above criteria and are interested in applying, the next step would be to attend a Homeowner Applicant Orientation session. These sessions explain the full requirements of our program and give you access to the application.
We appreciate your interest in the Habitat for Humanity Homeownership Program! Together, we can build a world where everyone has access to affordable housing.