Homeownership
Habitat for Humanity of Kitsap County partners with local families to help them build and buy safe, decent, affordable places to call home. Basic eligibility criteria include the following:
Need
Candidates for homeownership must demonstrate a need for safe, affordable housing. Examples include the following:
- Paying unaffordable rent.
- Living in an overcrowded space.
- Living with family or friends.
- Living in an unsafe or unhealthy environment.
Candidates income cannot exceed 65% of the gross median income, based on household size.
Ability to Pay
Candidates must be able and willing to pay an affordable mortgage.
- Candidate must obtain pre-approval for a fixed-rate, fixed-term mortgage from a third party lender (FDIC insured or DFI verified).
- Candidate’s monthly recurring debt must not exceed 13% of their monthly gross income.
The amount of the mortgage (including property taxes and insurance) will not exceed 30% of a homeowner’s monthly gross income.
Willingness to Partner
Candidates must be willing to partner with Habitat throughout the application, selection, building, and buying processes.
- Investing 100 hours of sweat equity into the building of their homes and the homes of others.
- Communicating honestly and consistently with Habitat staff throughout the process.
- Attending required homebuyer education classes.
For more information:
Contact homeowner services:
Homeownership Interest Form
Complete the form below to be notified when the next application period opens.