Home Ownership Qualifications

 

 

  • 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

 

Check Your Credit Score

Home Ownership Program – Maximum Income Guidelines

80% AMI for Sumter County Residents

1 Person Family: $53,550
2 Person Family: $61,200
3 Person Family: $68,850
4 Person Family: $76,500
5 Person Family: $82,650


80% AMI for Lake County Residents

1 Person Family: $59,050
2 Person Family: $67,450
3 Person Family: $75,900
4 Person Family: $84,300
5 Person Family: $91,050

 

*Please note that income limits change annually based on USDA guidelines of the Area Median Income calculations. Figures above last released April 2025.

 

Home Ownership Applications are Currently Closed.

We are not currently accepting applications for our Home Ownership Program. Check back on this page, as the link to the pre-application will be found here when applications open. In the meantime, please review the application qualification criteria found above to prepare for our open application period. 

You can bookmark and check this page regularly for updates, sign up for our newsletter here, or follow us on Facebook and Instagram to be notified when our general Home Ownership application opens.  

Contact Veronica at Veronica@habitatls.org for more information!