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 begin construction in Chico during 2024/2025 and will resume building in Paradise in 2025/2026. These homes will be for those who meet Habitat’s qualification criteria, which include:
- Income qualifications: Typically 60% – 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+, 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 typically 60-80% 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
- 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 (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 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 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 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
Addresses
Location | 220 Meyers St. Chico, CA 95928
Mailing | P.O. Box 3073
Chico, CA 95927
Hours
Mon-Fri | 9:00am -5:00pm
Contact
info@buttehabitat.org
(530) 343-7423
RESTORE
(530) 895-1271
Tues-Sat | 10:00am-6:00pm
Donations Accepted Until 5:30pm
Gold Seal OF Transparency
EIN# 68-0262142