Qualification criteria
Please carefully review all of the qualification criteria, as it has changed. If you have any questions, please e-mail info@buttehabitat.org or call (530) 343-7423.
Qualification Criteria
Habitat for Humanity of Butte County will be building 8 homes in Paradise for the 2025/2026 season.
These homes will be for those who meet Habitat’s qualification criteria, which include:
- Income qualifications: 60% – 80% Average Median Income for Butte County
- 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 and ability to pay $2,000 as a down payment.
- Willingness to Partner with Habitat – provide 250 sweat equity hours per adult applicant 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+, persons with disabilities, and persons with a long-term illness)
- Cost Burdened household (paying more than 30% of gross income for housing)
- Overcrowded housing (more than two (2) children per room, adults sharing a room with children, children of different sex sharing a room)
- Substandard housing (problems with maintenance and repairs)
- A resident of Public Housing
- Unable to secure adequate housing
- Desires homeownership
Ability to Pay
Total Gross Income:
Monthly gross income is 60-80% of HUD median income for Paradise. Income must be stable, and any supplementary income must also be stable and likely to continue.
- Debt-to-income must be manageable. Debt-to-Income must fall between the ratio of 33/41 for all applicants
- Ability to pay a $2,000 down payment to HFHBC 30 days before closing.
- Have not been a homeowner within the last three years.
- Demonstrate the ability to manage a monthly budget.
- History of timely payments and stable work history.
- The ability to qualify and participate in State and Federal programs First Time Homebuyer Programs
- Any assets in excess of $15,000 for individuals under 62 and $20,000 for individuals over 62 will be required as a down payment
- If your credit score is less than 640 additional documentation will be required.
- Liens and judgments- No liens or judgments that cannot be cleared before closing.
- Free of significant delinquencies or bankruptcies
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 our partnership to the completion of the home.
Commitment: Commitment to the community. Commitment to a drug-free community.
Lawful Permanent Resident: Applicant must provide proof of permanent residency (ie green card).
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.
QUESTIONS?
Please contact the Habitat office at (530) 343-7423
with any questions that you may have or e-mail info@buttehabitat.org