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 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.
BUTTE COUNTY INCOME CHART, 2023
These are last year’s numbers and are subject to change before the next selection process.
FAMILY SIZE
MINIMUM (60%)
MAXIMUM (80%)
2**
$39,600
$52,800
3
$44,580
$59,400
4
$49,500
$65,950
5
$53,460
$71,250
6
$57,420
$76,550
**Due to the high insurance costs in Paradise, CA a family of two must have a minimum of 60% AMI to qualify
QUESTIONS?
Please contact the Habitat office at (530) 343-7423
with any questions that you may have or e-mail info@buttehabitat.org
