Begin your path to homeownership with Habitat for Humanity

*We are proud to partner with My Home Pathway for our application process. 

No meeting selected

Select an existing meeting from the sidebar, or create a new one by navigating to the Meetings tool

Are you eligible?

*We are proud to partner with My Home Pathway for our application process.

Checklist image

The Requirements

Ability to Pay      

✅ Must meet all of the following:

  • Monthly income must be <$46,720 for a single individual or see table here for families
  • You must have been in full time employment least 1 year (or 6 months in same line of work as your previous position) or part time employment for 2 years
  • Have less than $1,000 in delinquent debt
  • >640 Credit Score

Willingness to Partner

🛠 For a successful relationship between Habitat for Humanity of Effingham County and potential homeowners, these obligations must be met by applicants:

  • Be willing to complete at least 250 hours of “sweat equity” (volunteer hours)
  • Accept a home in neighborhoods where Habitat for Humanity of Effingham County is building
  • Participate and complete Homeownership Preparatory Training and Educational Workshops
  • Make a down payment of  2% of the purchase price of the home & pay monthly mortgage. 


Need for Housing

✅ Must meet one of the following:

  • Living in an inadequate shelter due to problems with heating, water supply, electricity, etc.
  • Living in overcrowded conditions
  • Spending more than 40% of income on housing (rent + utilities)
  • Residing in Section 8 or Public Housing
  • Residence is not secured by an official lease agreement