- Must be a resident (or employed in) Lake or Sumter County for 6 months minimum
- Must be willing to partner for up to 12 months with HFHLS
- Must demonstrate a need for program
- Credit matters – target score of 640
- Must have verifiable income
- Must be at or below 80% AMI and able to qualify for a mortgage
Home Ownership Program – Maximum Income Guidelines
1 Person Family: $49,100
2 Person Family: $56,100
3 Person Family: $63,100
4 Person Family: $70,100
5 Person Family: $75,700
1 Person Family: $54,050
2 Person Family: $61,800
3 Person Family: $69,500
4 Person Family: $77,200
5 Person Family: $83,400
*Please note that income limits change annually based on USDA guidelines of the Area Median Income calculations. Figures above last released April 2024.
Applications for our FREE 6-week financial education program are now open! Join us and our partners at Seacoast Bank as we cover essential financial knowledge and the tools you need to make your home-owning dreams a reality. Course subjects include Budgeting and Money Management, Savings, Fraud Protection, Credit Management, Debt Management, and Homebuying Basics, with additional information about Habitat’s Home Ownership program. Click the link below to apply!
This is NOT an application for Habitat’s Home Ownership program, you are only applying to participate in the 6-week education course.
Classes will be held online from 6-7pm:
- March 6th
- March 13th
- March 20th
- March 27th
- April 3rd
- April 10th (Class will be held in person, refreshments provided)
All classes must be attended to receive your certificate of completion.
You can provide the certificate to Habitat staff when applying for the homeownership program so they know you would make a great top candidate for a Habitat home. If you are approved for a home within two years of taking this course, we will also credit your time spent on the course towards your required sweat equity!
Please note: Completing the course is NOT an approval for Habitat’s Homeownership program. It is an opportunity for members of the community to learn steps you can take to achieve your goal of homeownership.
We are not accepting applications at this time. Feel free to review the requirements for our homeownership program in the meantime. You can bookmark this page, as applications will be available here when they’re open.
Contact Veronica at Veronica@habitatls.org for more information!