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Habitat for Humanity Program Description
1. Need
A. You will be considered for Habitat homes if your present housing is not adequate, and if you are unable to obtain adequate housing through other conventional means. Lack of adequate housing may include problems with: the present structure; water electrical or sewer systems; heating system; or failure to meet city property maintenance standards. Also taken into consideration are the number, the ages, and the sex of children compared to the number of bedrooms in your present home.
B. The percentage of your monthly income that you currently spend on housing is considered to determine need. You will be required to openly and fully discuss your financial situation with a Habitat interviewer.
C. You and your family will be considered if your total income is at least 30% of the median income for Grand Forks and not over the range of 175% of Federal Poverty Guidelines, using 2008 figures (Figures will be updated in March). For example:
Family Size Gross Annual Income
Family Size |
Gross Annual Income |
|||
1 |
Income must be between |
$12,650 |
and |
$18,200 |
2 |
.......................................................... |
$14,450 |
and |
$24,500 |
3 |
.......................................................... |
$16,250 |
and |
$30,800 |
4 |
.......................................................... |
$18,050 |
and |
$37,100 |
5 |
.......................................................... |
$19,500 |
and |
$43,400 |
6 |
.......................................................... |
$20,950 |
and |
$49,700 |
7 |
.......................................................... |
$22,400 |
and |
$56,000 |
8 |
.......................................................... |
$23,850 |
and |
$62,300 |
If your income is within this range, you may be considered to become a Habitat partner.
2. Ability to Pay
Since you will be actually buying your home from Habitat, you must demonstrate your ability to pay the monthly mortgage payment. This payment will include not only the mortgage payment, but also the payment for real estate taxes and insurance. We will help you to determine if this payment will jeopardize your ability to meet all of your other family financial obligations and expenses. We can also help you if you need to develop a budget to determine your eligibility. You are also required to provide copies of your federal income tax forms for the past three years.
3. Willingness to participate as a partner with Habitat
Your assistance in constructing your home and the home of other is called "sweat equity" and may include clearing the lot, painting, helping with construction, providing food for volunteers, working in the Habitat office or other approved activities. As a partner family, you must complete a total of 500 hours of sweat equity before moving into your new home.
