Qualifications & Application

Qualifications & Application

Program qualifications are based on three criteria.

Need for Adequate Housing
What constitutes need varies among households. The need criteria may consist of one or more of the following: overcrowding, safety, functionality of current living situation, disabilities that are not being accommodated in current living situation, crime in the neighborhood, cost burden or inability to qualify for conventional financing.

Ability to Pay the Habitat Mortgage
Habitat’s Homeowner Program serves those who may not obtain safe, affordable housing through conventional lending. The program has set income parameters that limit the total household income to be eligible for a Habitat House. To become a Habitat homebuyer, the household income must fall between 30% to 60% of the HUD area median income for Aiken County. The AMI limit applies to the total income based on household size. Household income is defined as all funds legally received on a regular schedule by all household members from sources. Click here to visit the HUD User Income Limits Documentation System.

Ability to pay the Habitat mortgage is determined on the total income of the applicant and/or co-applicant.

Willingness to Partner
An applicant must demonstrate their willingness to partner with Habitat by completing all required sweat equity hours, saving required down payment, attending required financial counseling sessions and complying with conditions of the partnership agreement.

Aiken County Habitat is not currently accepting applications for our Homeowner Program.

We do not anticipate opening the application process until Fall 2020 or Winter 2021. We will have open enrollment for only one month. To ensure you are aware of the dates, please complete the Request Form.