Interested in becoming a Habitat Homeowner?
We are here to help qualified families build their own home. We are an Equal Opportunity lender. Family members
work alongside Habitat volunteers and staff to build their home, and their "sweat equity" work is applied as part
of the down payment on the house.
We sell completed homes to our homeowners at our cost, with a zero-interest mortgage. Families must demonstrate
an ability to pay, and to be part of a community that's safe for all homeowners.
To qualify, families must have a minimum credit score of 650, pass a criminal background check, and not be listed
on the sex offender registry. Minimum family income is determined by the number of family members, using current HUD
median income data for Lancaster County.
We hold workshops for applicants when we have funding for another home. Date notices are published in the newspapers,
and will be posted on our website. Our Family Selection committee verifies application information, interviews applicants
and recommends selections to the Board of Directors. If you believe you may qualify, contact our office for more
information at (803) 283-1203 or email
Habitat for Humanity of Lancaster County is a housing ministry financed through private donations and utilizing volunteer
labor. Our purpose is to build homes with families and sell them at our cost with no profit and no interest to families
who could not otherwise afford a home.
Please read the following items to see if you meet our general guidelines:
1. To qualify for the home, you must have enough income to support the cost of the home but not much more than
Habitat’s guidelines of 60% of the median income for Lancaster County. The amount of income required will depend on
the family size and resulting home size, the home’s final cost, property taxes, mortgage length and insurance cost,
and has to be estimated for each house. The maximum income is based on 60% of the median income for the county, as
determined by the Federal Department of Housing and Urban Development. Potential homeowners must also have a minimum
credit score of 650.
2. After receiving your permission, we will verify employment and other income, verify checking and savings account
balances and get a statement from your current and previous landlords. You will be responsible for providing a complete
and current credit history, as well as your credit score. You must also provide a current criminal background check
(we accept SC Law Enforcement Division's SLED Catch, which is available online) and not be listed on the Sex Offenders'
3. If approved for a Habitat home, you will be expected to join in programs to learn and practice budgeting, home repair
and home maintenance. The time spent on these programs will be credited to your sweat equity time. (see Item 4, below)
4. If approved for a Habitat home, each adult member of your household must work to complete the required amount of sweat
equity hours on your home and other Habitat projects.
5. If approved for a Habitat home, you will be required to save $50 per month from the day of signing your acceptance
letter until the day of closing. These funds will be applied toward closing
costs and front-loading escrow. (Escrow funds are amounts collected from you along with your mortgage payment toward
the renewal of your homeowner’s insurance and annual property taxes.) The total amount you will need at closing on your
home will usually be between $1,500 and $2,000.
6. If you are approved for a home and you meet the sweat equity and savings requirements, the affiliate will sell you
your home at our cost and provide a no-interest mortgage. Since the house payments are used to help build more homes
with other families, it is important that your payments are made in full and on time each month on or before the due date.
If you are interested in Habitat and if you believe you qualify for a home according to the above guidelines, please plan
to attend our next Family Selection meeting. At that time, the location of the home to be built/rehabilitated will be
announced, as well the deadline for application submissions. Assistance with the application process will be available
at the meeting. When the meeting is scheduled, it will be publicized in the community and on this web site.
The family accepted to receive a house through Habitat must also realize this is a highly publicized program and their
home will be built by the efforts of the community. You are our Habitat partner/ambassadors.
All information from the application is confidential, to be used only for family selection by the Family Selection
Committee. Families not initially accepted may reapply with the next application process. By law, we cannot have an
applicant waiting list.