Become a home buyer

Are you interested in being a Habitat home owner?

There are 3 basic requirements to begin the qualification process. Need, Ability to Pay, and Willingness to Partner.


You could be considered for a Habitat home 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 present structure, water, electrical, heating or sewer systems, or failure to meet property maintenance standards. Also considered are the number, ages and gender of the children compared with the bedrooms in your present home.

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 you financial situation with a Habitat interviewer.

You must live in Stokes County for 6 months, and your total family income must not be greater that the number below for your family size.*

Family Size Gross Annual Income

  • One $38,600
  • Two $44,100
  • Three $49,600
  • Four $55,100
  • Five $59,550
  • Six $63,950
  • Seven $68,350
  • Eight $72,750

If your income is under this amount, you may be considered to become a Habitat partner. Call the office for further information. There is a minimum income requirement.

*Effective 4/1/2021;

Ability to Pay

Since you will be 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 the payment for real estate taxes and insurance. We will help you determine if this payment will jeopardize your ability to meet all your other family financial obligations and expenses. We can also help you develop a budget to determine your eligibility.There is no interest on the loan for a Habitat home.

Willingness to Partner

When selected, you become a “partner family” in the Habitat movement. To become a partner family, you must complete a 200 hours of volunteer work, per applicant, with Habitat. This volunteer work will count towards your total “sweat equity” contribution to be completed before becoming a homeowner.

Your assistance in constructing your home and the homes of others is called “sweat equity”, and may include clearing the lot, painting, helping with construction, providing food for volunteers or working with Habitat office. Half of your sweat equity may be donated on your behalf by friends and relatives who volunteer.

You will be responsible for maintenance and repairs of your house once your have moved onto your new home. We will work with you to understand simple repairs and budget for others.

After moving into your home, the Family Support Committee will maintain a relationship with you for one year in the event of any problems with the home that are Habitat’s responsibility.

The application can be accessed by clicking below. Call the office with any questions.


Once your application is complete, the review/approval process can take up to 6 months. Once approved you may have to wait until funding is available to your build your new home. The waiting period could take several years. Should you decide to take your name off the waiting list, you must notify Habitat for Humanity of Stokes County in writing at the address below.

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