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 homes in Paradise Ca. These homes will be for those who meet Habitat’s qualification criteria, which include:

  • Income qualifications: Typically 50% – 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 250 sweat equity hours per 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+, 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 is typically 50-80% of HUD median income for Butte County.  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 to HFHBC down payment at the time of closing
  • Not been an homeowner within the last three years
  • Demonstrate the ability to manage monthly budget
  • History of timely payments and stable work history
  • The ability to qualify and participate in State and Federal programs (USDA and 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 (subject to USDA evaluation).
  • If credit score less than 640 or only one credit score in available additional documentation will be required
  • Liens and judgments- No liens or judgments that cannot be cleared before closing
  • Free of significant delinquencies or bankruptcies in the last three years

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.   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. 


These are last year’s numbers and are subject to change before the next selection


MINIMUM (55%-60%)

















**Due to the high insurance costs in Paradise, CA a family of two must have a minimum of 60% AMI to qualify


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


Location  |  220 Meyers St. Chico, Ca 95928

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


Please Contact Us:

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


Administrative Hours: 
Mon – Fri, 9:00 AM -5:00 PM

ReStore Hours: 
Tues-Sat, 10:00 AM-6:00 PM (donations accepted until 5:30 PM)