Become a Homeowner
Thinking about homeownership with Habitat?
Coming soon!
Applications for The Hudson will be available to print online starting at 12 a.m. on August 1, 2026. Completed applications must be turned in to our office by drop-off or mail.
Eligibility
To qualify, applicants need the ability to make a monthly mortgage payment, a household income that falls within our program limits, and a readiness to build alongside us every step of the way.
Hear from our homeowners in their own words!
Habitat’s model creates a cycle of community investment putting home mortgage payments to work building more homes.
HOW DOES IT WORK?
In need of improved housing
Eliminating substandard housing is a core tenet of Habitat for Humanity.
Future homeowners must show a need that can be determined by many factors such as:
overcrowding
unsafe or unhealthy living conditions
rental costs that exceed 30% of monthly household income
Willing to partner with Habitat
Future homeowners are active participants in the construction process and are positive representatives of Habitat in the community.
All future homeowners are required to complete a minimum of 200 hours per adult buyer as part of that partnership, working alongside Habitat construction staff and volunteers to build their own home, the homes of their neighbors, or even in the ReStore or administrative offices.
Able to pay an affordable mortgage
Applicants must have stable income and earn between 40% and 80% of the Area Median Income. There should be at least two years of good credit, no bankruptcy within the past two years, and no delinquent debt. Mortgage payments are tailored to homeowners and will be no more than 30% of the gross monthly household income.
HOW DO I APPLY?
The journey to homeownership can be intimidating. We’ll be there at every step.
Purchasing your first home is a big deal. The Habitat path to homeownership begins with a multi-step approval process that ensures our program is right for you. Our goal is to set you up for success so you can begin building a brighter future for yourself and your family.
No homeownership get-ready classes are scheduled at this time. Add your name to our interest list to be notified about our next one.
Here are questions we answer the most.
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Habitat for Humanity of Sumner County does not maintain a waitlist, and we do not accept applications year-round. Instead, applications are only accepted during designated open periods for the specific homes available at that time.
If you would like to be notified when the next application period begins, we encourage you to sign up for our Homeownership Interest List. Joining the list is the best way to stay informed about upcoming opportunities to partner with us.
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No, Habitat homeowners pay an affordable mortgage.
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Yes, you must reside or work in Sumner County or be a resident of a nearby county that does NOT have a Habitat affiliate.
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As part of their partnership with Habitat, future Habitat homeowners contribute 200 hours of labor per adult applicant. This “sweat equity” can be performed on the construction of their own home, the construction of homes for others, assisting in the ReStore or in the administrative offices, or on other Habitat projects.