Homeownership

 

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.”

Eligibility

We evaluate applications based on need, ability to pay, and willingness to partner.

A successful Habitat homebuyer:

  • Has a steady income. Total gross household income should be at least $28,000 and the current maximum amounts are listed below by County and household size. (If you live in Tompkins County and receive Section 8 assistance, you may be able to use it!)
  • Is a good credit risk, and able to qualify for an affordable home loan. Worried about your credit? We can help you get started on your path to home purchase.
  • Is in need of decent housing.
  • Is willing and able to invest at least 350 hours of Sweat Equity. Habitat homebuyers help build their homes, as well as take classes and do other work to prepare to be a homeowner.
  • Applicants must either be a US Citizen or provide proof of permanent residency status (green card).
  • Has not owned a home in the last three years.

 

Tompkins County maximum gross household income

Income guidelines for applicants living in Tompkins County for 2019-20

1 person2 person3 person4 person5 person6 person7 person8 person
$35,280$40,320$45,360$50,340$54,420$58,440$62,460$66,480
Cortland County maximum gross household income

Income guidelines for applicants living in Cortland County for 2019-20

1 person2 person3 person4 person5 person6 person7 person8 person
$29,700$33,900$38,160$42,360$45,780$49,140$52,560$55,920

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

How to apply

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

Contact us if you have additional questions.