Are you interested in applying for our Home Build in Carmel, NJ?
This home will be qualified via the USDA guidelines. Please follow the below process.
How Much Money is needed to afford a Habitat Home?
One of the most frequently asked questions of our affiliate by interested applicants is how much money the applicant should make to afford a Habitat home. The Family Selection committee looks at two factors:
1.Our committee makes sure that no more than 25% of the applicant’s gross household income goes toward their Habitat mortgage, which includes interest free principal, property taxes and homeowner insurance. The homeowner would be responsible for their electric, gas heat, phone, and water and sewer.
2.The purpose of Habitat for Humanity is to provide affordable housing to qualified working families, and does not like to use the term “low-income housing”. The program is a hand up and not a hand out. Our committee looks at the income requirement of 40% to 60% of the county median income and checks all their financial information to see if the applicant can afford living in a Habitat home.
Applicants are qualified via USDA guidelines.
Criteria for Homeownership: How We Select Homeowners
Do I have to be a Cumberland County resident?
Cumberland County Habitat has a two-year residency policy for anyone who applies for one of our homes. This policy is based on the fact that we only build homes in Cumberland County and most of our fund-raising efforts are donated by county residents who want to improve their specific community.
Anyone living outside Cumberland County interested in applying for a Habitat home is referred to either 1-800 HABITAT or www.habitat.org for their nearest Habitat for Humanity affiliate.
For Further Information
For further questions not addressed above, please contact the Cumberland County Habitat office at (856) 563-0292 ext 105. See below to download USDA Documents.
Please fill out and email to [email protected]. Please note that you do NOT need a printer to do this.
This home will be qualified via the USDA guidelines. Please follow the below process.
How Much Money is needed to afford a Habitat Home?
One of the most frequently asked questions of our affiliate by interested applicants is how much money the applicant should make to afford a Habitat home. The Family Selection committee looks at two factors:
1.Our committee makes sure that no more than 25% of the applicant’s gross household income goes toward their Habitat mortgage, which includes interest free principal, property taxes and homeowner insurance. The homeowner would be responsible for their electric, gas heat, phone, and water and sewer.
2.The purpose of Habitat for Humanity is to provide affordable housing to qualified working families, and does not like to use the term “low-income housing”. The program is a hand up and not a hand out. Our committee looks at the income requirement of 40% to 60% of the county median income and checks all their financial information to see if the applicant can afford living in a Habitat home.
Applicants are qualified via USDA guidelines.
Criteria for Homeownership: How We Select Homeowners
- Ability to Pay – The following are the income guidelines for Family Selection: the minimum income for up to a family of 4 is $42,500 and the maximum income for up to a family of 4 is $68,000.
- Need – A home visitation is conducted to determine current home condition and amount of rent paid each month.
- Willingness to Partner – Each adult in the family commits to completing 250 sweat equity hours while the house is being constructed. Settlement cannot be held until sweat equity hours are completed.
- Partner family receives a zero percent interest mortgage for 20 years or 30 year zero equivalent mortgage from the USDA.
Do I have to be a Cumberland County resident?
Cumberland County Habitat has a two-year residency policy for anyone who applies for one of our homes. This policy is based on the fact that we only build homes in Cumberland County and most of our fund-raising efforts are donated by county residents who want to improve their specific community.
Anyone living outside Cumberland County interested in applying for a Habitat home is referred to either 1-800 HABITAT or www.habitat.org for their nearest Habitat for Humanity affiliate.
For Further Information
For further questions not addressed above, please contact the Cumberland County Habitat office at (856) 563-0292 ext 105. See below to download USDA Documents.
Please fill out and email to [email protected]. Please note that you do NOT need a printer to do this.
Looking for future homeowners!
Cumberland County Habitat for Humanity is beginning the selection process for our new partner family. If you, or someone you know is interested.
IS THIS FOR YOU?
Check the list of requirements to see if you are eligible to apply.
Cumberland County Habitat for Humanity is a nonprofit housing developer that has helped provide affordable homes in Cumberland County for 35 years. Project locations will be determined at a current date. If you’re applying please keep in mind that the project can be in either Millville or Vineland City.
Direct questions to: [email protected]
TERMS AND CONDITIONS
Applications must be mailed to our offices located at 601 South Delsea Drive, Vineland, NJ 08360.
Cumberland County Habitat for Humanity is beginning the selection process for our new partner family. If you, or someone you know is interested.
IS THIS FOR YOU?
Check the list of requirements to see if you are eligible to apply.
- Ability to obtain a low income / conventional mortgage.
- Demonstrate a legitimate need for housing.
- Prove steady income that is less than 80% of the area median, yet sufficient enough to maintain ownership of the home, a minimum of $40,000.00.
- Have average to good credit.
- Willingness to invest up to 500 sweat equity hours. Every adult household member must volunteer 250 hours to help build or rehab your future home.
- Commitment to mandatory financial classes and home ownership seminars.
Cumberland County Habitat for Humanity is a nonprofit housing developer that has helped provide affordable homes in Cumberland County for 35 years. Project locations will be determined at a current date. If you’re applying please keep in mind that the project can be in either Millville or Vineland City.
Direct questions to: [email protected]
TERMS AND CONDITIONS
Applications must be mailed to our offices located at 601 South Delsea Drive, Vineland, NJ 08360.
* By downloading this application, you agree to the Terms and Conditions outlined above.
En busca de futuros propietarios!
El Condado de Cumberland Hábitat para la Humanidad está comenzando el proceso de selección para nuestra nueva familia de socios.
ES ESTO PARA USTED?
Revise la lista de requisitos para ver si usted es elegible para solicitar.
El Condado de Cumberland Hábitat para la Humanidad es un desarrollador de viviendas sin fines de lucro que ha ayudado a proporcionar viviendas asequibles en el Condado de Cumberland durante 29 años. Las ubicaciones del proyecto se determinarán en una fecha actual. Si está aplicando, tenga en cuenta que el proyecto puede estar en Millville o en Vineland.
Preguntas directas a: [email protected]
TERMS AND CONDITIONS
Applications must be mailed to our offices located at 601 South Delsea Drive, Vineland, NJ 08360.
El Condado de Cumberland Hábitat para la Humanidad está comenzando el proceso de selección para nuestra nueva familia de socios.
ES ESTO PARA USTED?
Revise la lista de requisitos para ver si usted es elegible para solicitar.
- Capacidad para obtener una hipoteca de bajos ingresos / convencional.
- Demostrar una necesidad legítima de vivienda.
- Prove un ingreso estable que es menos del 80% de la mediana de área, pero lo suficiente como para mantener la propiedad de la casa, un mínimo de $ 30,000.00.
- Tener un promedio de buen crédito.
- Voluntad para invertir hasta 500 horas del sudor de la equidad.
- Compromiso con clases financieras obligatorias y seminarios de propiedad de vivienda.
El Condado de Cumberland Hábitat para la Humanidad es un desarrollador de viviendas sin fines de lucro que ha ayudado a proporcionar viviendas asequibles en el Condado de Cumberland durante 29 años. Las ubicaciones del proyecto se determinarán en una fecha actual. Si está aplicando, tenga en cuenta que el proyecto puede estar en Millville o en Vineland.
Preguntas directas a: [email protected]
TERMS AND CONDITIONS
Applications must be mailed to our offices located at 601 South Delsea Drive, Vineland, NJ 08360.
* By downloading this application, you agree to the Terms and Conditions outlined above.
