Logo of Augusta/CSRA Habitat for Humanity. The logo features a simplified white house icon on the left with three stylized human figures beneath the roof, and the text "Augusta/CSRA Habitat for Humanity" in white on the right side.
Donate NOw

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 2026 Homeownership Program selection cycle, which includes homes scheduled for the 2026 build year, is now open. Please follow the steps below to complete your application. 

Flyer for Augusta/CSRA Habitat for Humanity detailing requirements to apply for homeownership, including steady income, willingness to partner, background check, residency, and application dates from March 30 to April 27.
Instructional flyer titled "How to Apply!" with nine steps for applying to Augusta Habitat for Humanity, describing creating accounts, taking an orientation quiz, and submitting an application. Text on a blue and yellow background.

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.

Family Size & Household Income Limits

Richmond County, Georgia FY2025 Family Size & Household Income Limits for the Augusta/CSRA Habitat for Humanity Homeownership Program:


  • 1 Person Household: $18,570 (minimum) – $49,520 (maximum)
  • 2 Person Household: $21,210 (minimum) – $56,560 (maximum)
  • 3 Person Household: $23,580 (minimum) – $63,600 (maximum)
  • 4 Person Household: $26,490 (minimum) – $70,640 (maximum)
  • 5 Person Household: $28,620 (minimum) – $76,320 (maximum)
  • 6 Person Household: $30,750 (minimum) – $82,000 (maximum)


DISCLAIMER: These guidelines are subject to change annually based on Federal guidelines.


Homebuyer Education Portal

Augusta/CSRA Habitat for Humanity has partnered with Habitat for Humanity of the St. Vrain Valley, Pikes Peak Habitat for Humanity, Fort Collins Habitat for Humanity and Habitat for Humanity of Kansas City to launch an online Homebuyer Education Portal. We recognize that buying a home is the single largest financial decision of most people’s lives. We also know that it is a complicated process.  This website is designed for you to reference for years to come. We want this to be a place where you can find information and resources to:

  • Determine if homeownership is right for you.
  • Investigate if the Habitat program is an option for you and how to apply.
  • Understand all the documents and forms that go along with buying a home.
  • Learn how to maintain and protect your home.

 

Community Members interested in learning more about homeownership, please visit the link below. 

Visit the Homebuyer Education Portal Website