Donate   |   Volunteer   |   E-news

Apply for affordable homeownership today!

Accepting applications February 1st – May 31st 2024. See below for application instructions and eligibility criteria.

Our application period is currently closed.

Path to Homeownership

Check out other housing programs in the meantime.

Affordable homeownership with Habitat

With a little help, we all have the potential to stand on our own.

Habitat for Humanity of Tompkins and Cortland Counties provides an affordable homeownership opportunity by offering a “hand up, not a hand out.” Habitat homebuyers help build or fix up their house (we call this “Sweat Equity”) and take out an affordable mortgage.


  1. Read over the eligibility guidelines below! If you think you may meet the eligibility requirements, proceed to step 2!
  2. Schedule an individual intake call/meeting by calling or texting 607-844-3529 or emailing You will get many important details about the program and our upcoming housing options. If it sounds like the program for you – proceed to step 3!
  3. Complete the Habitat Application for Homeownership, return it by (postmarked no later than) May 31, 2024.
  4. Complete a mortgage pre-qualification and submit your pre-qualification letter to Habitat (by June 14, 2024).
  5. Two members of our Family Services Committee will meet with you to discuss your current housing situation and your Sweat Equity plan.
  6. Board of Directors votes on a selection.


We evaluate applications based on NEED, ABILITY TO PAY, and WILLINGNESS TO PARTNER.

A successful Habitat homebuyer:

Maximum Gross Household Income Guidelines for Applicants for 2023-24
1 person2 person3 person4 person5 person6 person7 person8 person
$46,320 $52,920 $59,520 $66,120 $71,460 $76,740 $82,020 $86,700

Income guidelines for applicants living in Tompkins County for 2023-24

Cortland County maximum gross household income

Income guidelines for applicants living in Cortland County for 2023-24

1 person2 person3 person4 person5 person6 person7 person8 person
$34,740 $39,660 $44,640 $49,560 $53,580 $57,540 $61,500 $65,460

We do not discriminate based on age, race, color, nationality, religion, sexual orientation, handicap, familial status, citizenship or immigration status. 

How to apply

If you feel you meet the guidelines above, you may qualify. Please call 607-844-3529 or e-mail to discuss.  We want to help.

Contact us if you have additional questions.

Read Our Homeowner’s Stories

Each Habitat house becomes someone’s home. The walls are so much more than just a structure and it represents a huge shift in our homeowners lives. Read their inspiring stories and learn about the impact that our work makes!

Skip to content