Self-Check

 

If you agree to all of the below statements, you may meet the basic criteria to qualify!!!

  • My household is in need of a 3 bedroom 2 bath home.

  • I have lived in Sumner County for the previous 6 months or I have worked in Sumner County for the previous 12 months and the county where I live does not have a Habitat for Humanity Affiliate.

  • I am a U.S. Citizen or Permanent Resident. (Green Card Holder)

  • I have not owned a home in the last three years.

  • I have had steady income for the last two years in the United States.

  • I have a recurring household income of at least $3,300/month. More income may be necessary depending on the houses and funding currently available and your personal situation.

  • My total household income is less than the maximum amount for my household size as listed below.

  • I have been at my job or jobs for at least six months, or if self-employed for at least two years. I filed this income on my last two tax returns.

  • I pay most of my bills on time.

  • I have or can save $2,500 in the next 9-12 months.

  • I can pay off any collections, judgments, or charge-off accounts on my credit report in the next 9-12 months.

  • If I’ve had a Chapter 13 bankruptcy, it has been satisfied, released, or dismissed for at least one year, or two years if it was a Chapter 7 bankruptcy.

  • I’m willing to attend homeownership classes, volunteer at the Habitat ReStore and help build homes (unless a disability restricts this). The program requires 200-400 hours of sweat equity within 9-12 months.

  • If I am married, my spouse is applying with me OR, if separated, my spouse is willing and able to provide information about his/her income, submit to a background check, and to be physically present in Gallatin, TN to sign certain documents.

 

2024 income guidelines

$40,000-$59,850 (1 member household) $40,000-$68,400 (2 member household)

$40,000-$76,950 (3 member household) $42,760 -$85,500 (4 member household)

$46,180-$92,350 (5 member household) $49,601-$99,200 (6 member household)

$53,022-$106,050 (7 member household) $56,443-$112,900 (8 member household)

*Additional criteria may also need to be met, eligibility will be reviewed when you apply. Income guidelines are subject to change and does not guarantee eligibility. This checklist is not an application for housing.