The Big Payback - Build A Foundation



The following are the general guidelines for eligibility to purchase a Habitat home: 


Housing Need

• Demonstrate a need for a Habitat home such as living in overcrowded conditions or unsafe environments, living with relatives, friends or in other temporary housing, having a high monthly housing cost, needing accessibility features for a household member, or being unable to qualify for conventional mortgages.

• Live in Sumner County for the last six months.  For information on Habitat for Humanity in other areas, please visit

• Must be a first-time homebuyer (have not owned a home in the last three years).


Ability to Afford Homeownership



Contact Habitat for Humanity of Sumner County for current income ranges.


• Demonstrate a decent payment history of rent, utilities, loans, and other monthly expenses over the last six to twelve months.  We do NOT base our evaluations on credit scores--they are used to assess debt ratios.

• Have manageable amounts of debt or loans payments.  The ratio of monthly debt payments to monthly income should not exceed 40% including deferred student loans.

• Have the ability to pay off any collections, judgments, or charge-offs accounts listed on credit reports within six months.  If you would like help with this before applying, please contact us.  To get a free copy of your credit report, go to or call 1-877-322-8228.

• Discharged for at least one year from Chapter 13 and two years from Chapter 7 bankruptcies.


Willingness to Partner


• Willing to invest at least 200 hours of “sweat equity” for each adult member of the partner family, consisting of required homeownership and financial management classes, volunteering in the ReStore, and at least 100 hours of building homes alongside community volunteers.  Applicants must complete at least 50% of the sweat equity hours themselves with accommodations or exceptions for applicants with disabilities.


• Willing to accept the location and design of homes currently available.  Contact us for more information on our current builds.


Process - The entire process from application to owning a home takes four to eighteen months for most applicants. Habitat is a long-term homeownership program and is not designed to provide emergency housing.


1. Applications are available at the Habitat for Humanity ReStore and Offices at 327 Sumner Hall Drive.

2. Fill out the questionnaire completely and return it to our office by fax, mail, or in person (include four most recent pay stubs or documentation of other sources of income; two most recent tax returns; two most recent bank statements; and proof of disability, if applicable).


3. This letter will either inform you that a representative of Habitat for Humanity will contact you to set-up an interview and home visit or will tell you why you do not qualify at this time.

If you have questions, please contact us by calling (615) 452-9606 or e-mailing


We do not discriminate on the basis of race, sex, color, age, disability, religion, national origin, family status, marital status, sexual orientation, or because all or part of income is derived from any public assistance program.