Homeownership

Habitat for Humanity Okaloosa County makes homeownership possible and affordable for hard-working families who otherwise would find themselves trapped in deplorable conditions. They are able to gain the independence, security and financial stability that homeownership provides along with a sense of pride as they become a part of safe, thriving communities.

There are no categorical barriers to obtaining housing through Habitat, including race, color, religion, gender, handicap, familial status or national origin.

The first step towards qualifying for a home is to meet the basic pre-qualifications and submit the required information to the Habitat office.

The basic criteria to qualify for a Habitat home starts by living or working in Okaloosa County for at least one (1) year. In addition, applicants must demonstrate:

Need for Housing

Unhealthy or unsafe living conditions – landlord is not maintaining property
Overcrowding
Living with friends or family because you cannot afford to live on your own
Receiving government assistance of Section 8 or live in public housing
Unable to afford rent increases any longer

Willingness to Partner

Willingness to complete 300 hours of “sweat equity” per adult
Participate in homebuyer educational workshops

Ability to Pay

Must have stable income for at least one (1) year
Make a $500 application fee
Owe less than 50% of your monthly income on expenses
No bankruptcy in past three (3) years
Acceptable credit payment history

Annual Gross Income Required to Qualify

Family Size

Minimum Income Required

Maximum Income Eligible

One

$14,350

$38,300

Two

$16,400

$43,800

Three

$18,450

$49,250

Four

$20,500

$54,700

Five

$22,150

$59,100

Six

$23,800

$63,500