Eligibility Requirements

Please stay tuned to our website and social media accounts (Facebook & Instagram) for updates on when we will begin accepting applications for homeownership.

 

Eligibility Criteria

  • Income qualifications: 40-80% area median income
  • Need for affordable housing: Priority will be given to those who are most vulnerable (Disaster affected persons, displaced persons, single parent households, older people-65+, person with disabilities, person with long term illness) as well as other criteria
  • Ability to Pay an affordable mortgage – steady form of income
  • Willingness to Partner with Habitat – provide sweat equity hours to help build your home

Need for Housing

 PRESENT HOUSING SITUATIONS:

 

  • Priority will be given to the most vulnerable in our community (Disaster affected persons, displaced persons, single parent households, older people 65+, person with disabilities, persons with a long-term illness)
  • Cost Burdened household (paying more than 30% of gross income for housing)
  • Overcrowded housing e., more than two (2) children per room, adults sharing room with children, children of different sex sharing a room
  • Substandard housing: Problems with maintenance and repairs
  • Resident of Public Housing
  • Unable to secure adequate housing through private market
  • Desires home ownership

Ability to Pay

TOTAL GROSS INCOME:

Monthly gross income 40-80% of HUD median income for Butte County.  Income must be stable and any supplementary income must also be stable and likely to continue.  (See Income Chart Below)

 

  • Debt to income must be manageable. Debt to Income must fall between the ratio of 30/43 percent – 30% is housing expense ratio and 43% is debt-to income ratio
  • Demonstrate the ability to manage monthly budget
  • History of timely payments
  • Stable work history- one (1) full year at the same place in the past three (3) years and must be at current job for six (6) months
  • Must maintain own household (live on own for one (1) full year within past three (3) years)
  • Bankruptcy, liens and judgments
    • May reapply two (2) years after bankruptcy has been discharged and good credit has been re-established
    • No liens or judgments that cannot be cleared before closing

Willingness to partner

Sweat Equity:  Understands and is willing to perform at least 250 hours of sweat equity per adult per household from the beginning of partnership to completion of home.

Commitment:  Commitment to the community.  Lived in and/or worked in Butte County for past 2 years.  Commitment to a drug free community.

Legal Resident:  Applicants must provide proof of legal residency.

Criminal Record: No adult member of the household has a criminal record that poses a likely future risk to neighbors, Habitat staff, or Habitat volunteers. 

BUTTE COUNTY INCOME CHART, 2020


FAMILY SIZE

MINIMUM (40%)

CURRENT MAXIMUM (80%)

1

$19,800

$39,600

2

$22,770

$45,250

3

$26,785

$50,900

4

$30,775

$56,550

5

$34,440

$61,100

6

$38,105

$65,600

40% are approximate figures

QUESTIONS?

Please contact the Habitat office at (530) 343-7423
with any questions that you may have or e-mail info@buttehabitat.org

Location

Habitat For Humanity
Butte County

220 Meyers St.
Chico, CA 95928

Contact

Please Contact Us:
info@buttehabitat.org

(530) 343-7423
ReStore (530) 895-1271

Hours

Administrative Hours: 
Mon-Fri, 9:00am-5:00pm

ReStore Hours: 
Tues-Sat, 10:00am-6:00pm

Social