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 for families who meet our eligibility criteria, by offering a “hand up, not a hand out.”

Eligibility

We evaluate applications based on need, ability to pay, and willingness to partner.  Applicants must meet income eligibility criteria, pre-qualify for a first mortgage with one of our partner lenders, and demonstrate a willingness to partner with our staff and volunteers to build or repair a home.

All Habitat homebuyers invest time and energy into the homeownership process by contributing Sweat Equity hours.  Sweat Equity is the hard work that brings a goal, like owning a home, to life.  Future homeowners work on construction of their house and houses for other families, participate in home maintenance and financial training classes, and volunteer at events.  Children can even earn Sweat Equity hours for their family by getting good grades in school.


 

Tompkins County maximum gross household income

Income guidelines for applicants living in Tompkins County for 2017

1 person2 person3 person4 person5 person6 person7 person8 person
$31,800$36,300$40,860$45,360$49,020$52,620$56,280$59,880
Cortland County maximum gross household income

Income guidelines for applicants living in Tompkins County for 2017

1 person2 person3 person4 person5 person6 person7 person8 person
$27,300$31,200$35,100$38,940$42,060$45,180$48,300$51,420

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

 


Application process

The application process (usually takes 3-4 months from pre-application to final approval):

  1. Submit pre-application to TCHabitat online or by downloading the Pre-application form
  2. Full application with TCHFH, submitted with copies of required documents (proof of income, tax returns, etc.)
  3. Mortgage pre-qualification with an approved partner lender (includes credit evaluation and income verification)
  4. Home visit with TCHabitat Family Selection Committee members
  5. Board of Directors votes on final approval

Find out if you might be eligible by completing our short pre-application and contact us if you have additional questions.