To qualify for a Sussex County Habitat for Humanity house you must:
- live or work in Sussex County for at least one year,
- have a need for decent and affordable housing
- be able to pay a not for profit affordable mortgage in the approximate amount of $500 per month and
- demonstrate a willingness to partner
The need for housing may be demonstrated by:
- cost burdened,
- crime in the neighborhood
- rodent infestation
- inadequate water, electrical, heating or septic systems
- structural problems or any other unsafe or unhealthy conditions.
The ability to pay the not for profit, affordable mortgage is demonstrated by having a gross income within the following guidelines:
2016 - 2017 HUD Guidelines
|Family Size||Income no less than||Income not more than|
|One||$19,800 Yearly ($1,650 Monthly)||$25,980 Yearly ($2,165 Monthly)|
|Two||$19,800 Yearly ($1,650 Monthly)||$29,700 Yearly ($2,475 Monthly)|
|Three||$19,800 Yearly ($1,650 Monthly)||$33,420 Yearly ($2,785 Monthly)|
|Four||$19,800 Yearly ($1,650 Monthly)||$37,080 Yearly ($3,090 Monthly)|
|Five||$19,800 Yearly ($1,650 Monthly)||$40,080 Yearly ($3,340 Monthly)|
|Six||$19,800 Yearly ($1,650 Monthly)||$43,020 Yearly ($3,585 Monthly)|
|Seven||$19,800 Yearly ($1,650 Monthly)||$46,020 Yearly ($3,835 Monthly)|
- A successful applicant family must also be willing to fulfill all of the requirements related to being a Habitat partner family. Some of these requirements are:
- Investing 200 hours per adult in "sweat equity" building your own home and the homes of other Habitat partner families.
- Having on deposit in escrow of $2,500 for closing costs.
- Attending monthly homeownership preparation classes.
- Learning about construction and home maintenance.
- Being a good ambassador for Habitat in the community so this important work can continue.
If you would like to learn more about homeownership, call us (302) 855-1153 ext. 204 or complete the online interest form here.