Eligibility Requirements
Homeownership Program Requirements
There are only three requirements you must meet to be potentially eligible for our programs:
1. The need for a decent, affordable home, including but not limited to:
- Substandard housing
- Overcrowding
- Living in temporary housing
- Unsafe conditions in home or in area
- Currently paying an unaffordable amount for housing
2. Ability to pay:
- Be a legal resident of Catawba County OR be employed in Catawba County for the 12 months just prior to acceptance
- Stable income within the income limits based on household size
- Reasonable credit history and debt load
3. The willingness to partner with Habitat
- Complete a set number of sweat equity hours
- Pay the down payment prior to closing (monthly installment payments are acceptable)
- Attend homebuyer education courses
- Submit a monthly budget
- Help with construction on your and others’ Habitat homes
- Attend meetings
- Meet deadlines
- Notify Habitat of any changes to the information you have given
Take Your First Step Toward Homeownership
Plan to attend the next Applicant Information Meeting (AIM). Call (828) 328-4663 ext. 310 for information on the next scheduled meeting date.
Home Repair Program Requirements
Need
Homeowners that are most in need and cannot otherwise afford repairs.
Income to Qualify
- No minimum income requirement as long as willing to make 2 modest payments based on homeowner income.
- For maximum household income see the chart below. (Call for larger households)
Property Requirements
- Must be in Catawba County
- Must generally be owner occupied
- Must be owned by current owner at least 1 year
- Must not be in jeopardy of foreclosure
- When owner holds the title (not rent to own) on a mobile or manufactured home, limited repairs may be considered
Repair Services may include but not limited to:
- Roof repair or replacement
- HVAC work
- Modifications for accessibility
- Exterior painting/staining
- Weatherization
- Decks steps and rails
- Limited plumbing
- Limited electrical
- Other repairs similar to those above, particularly urgent (not emergency) repairs and necessary external improvements