• 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

*Please note that income limits change annually based on USDA guidelines of the Area Median Income calculations. Figures above last released April 2024.

Home Ownership Applications for our 55+ neighborhood, the Cottages at Heritage Grove, are now open! 

We are currently accepting applications for homeowners 55+ seeking affordable housing in our Cottages at Heritage Grove neighborhood. The Cottages at Heritage Grove is a 23-unit neighborhood located in Tavares and is Habitat Lake-Sumter’s first age-restricted community. 

Selected applicants will go through Habitat Lake-Sumter’s regular Home Ownership Program and must meet the listed requirements. You can review those requirements above or contact veronica@habitatls.org with any questions. Additionally, at least one applicant for the home must be 55 or older, and no one under the age of 18 may live in the home. 

You can begin the application process for homes in our 55+ neighborhood by filling out the pre-application below:

Apply for 55+ Housing Here

While our homeownership program serves all families, our Cottages at Heritage Grove neighborhood only serves those families with a member 55 or older. Please only apply at the link above if your family fits these criteria.

For all other families seeking to apply for our Home Ownership program, you can bookmark and check this page regularly for updates, or 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!