Eligibility Requirements

Habitat for Humanity of Butte County is excited to announce we will be starting four more houses in Paradise at the beginning of 2022. See if you qualify below and then head to our “How to Apply” page.

 

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

ELIGIBILITY REQUIREMENTS, SPANISH

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, 2021


FAMILY SIZE

MINIMUM (40%)

CURRENT MAXIMUM (80%)

1

$19,625

$39,050

2

$22,660

$44,600

3

$26,680

$50,200

4

$30,675

$55,750

5

$34,345

$60,250

6

$38,015

$64,700

40% are approximate figures

QUESTIONS?

Please contact the Habitat office at (530) 332-0821
with any questions that you may have or e-mail info@buttehabitat.org

Addresses

Location  |  220 Meyers St. Chico, Ca 95928

Mailing  |  P.O. Box 3073
Chico, CA 95927

Contact

Please Contact Us:
info@buttehabitat.org

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

Hours

Administrative Hours: 
Open by appointment only.

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

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