Own A Home

Each Habitat affiliate selects “Homeowner Candidates” to become Habitat homeowners. Habitat for Humanity follows a nondiscriminatory policy of family selection in accordance with fair housing regulations. Habitat for Humanity of Greater Volusia County works to build or restore affordable homes in partnership with people who present need, ability to pay, and willingness to partner with the affiliate.

“There is nothing like coming home to your own home. It is my sanctuary. It is my special place.”

Arlene Armstrong, Habitat Homeowner

APPLICANT REQUIREMENTS

Applicant criteria may vary from affiliate to affiliate. HFH of GVC requires applicants to demonstrate:

1 Need – current housing is inadequate

Lack of adequate housing may include one or more of the following:

  • Problems with the present structure – water, heating, electrical, or sewage service systems are not functioning properly or failure to meet city property maintenance standards
  • Overcrowding – the number of bedrooms in your home is inadequate considering the ages and genders of the household members
  • Currently living with a friend or relative for what is meant to be a temporary stay
  • More than 35% of your monthly income is currently spent on housing

2 Ability to pay – financial obligations are being met and a mortgage payment is affordable

  • My yearly family income is at least 40% and no more than 70% of the 2020 median family income for Volusia County ($64,900), adjusted for household size. See the chart below for income guidelines.
Household Size1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Minimum Income$18,172$20,768$23,364$25,960$28,036$30,113$32,190$34,267
Maximum Income$31,801$36,334$40,887$45,430$49,064$52,698$56,333$59,967
  • Monthly debt payments (i.e. car, credit cards, loans, child support) are less than 40% of the monthly income
  • Bills are consistently paid on time (one possible site to check your credit is www.annualcreditreport.com)
  • After monthly expenses, there is sufficient income to save for closing costs (approximately $150 / month)

3 Willingness to partner – completion of “sweat equity”

  • Assist, as appropriate, with construction tasks on houses being built, including your own home
  • Assist at Habitat ReStore and events
  • Attend classes on financial literacy and various aspects of homeownership
  • Routinely provide the affiliate with the necessary documentation (pay stubs, tax returns, bank statements, etc.)

To learn more about how to become a Habitat for Humanity of Greater Volusia County homeowner, please contact the Director of Homeowner Services Darlene Wolfson at 386-257-9950 or email at HomeownerServices@HabitatGVC.org.

We look forward to hearing from you!