HendersonHabitat.org : Requirements

Approved applicants must:
  • Be a legal US citizen
  • Be a resident of or employed in Henderson County, KY for at least one year prior to the date of the application.
  • Be verifiably unable to secure conventional home mortgage financing.
  • Live in verifiably substandard, unsafe or overcrowded circumstances.
  • Have an annual household income between the minimum and maximum:
    -- One person household: $12,800 $21,300
    -- Two persons household $14,600 $24,350
    -- Three persons household $16,450 $27,450
    -- Four persons household $18,250 $30,450
    -- Five persons household $19,700 $32,900
    -- Six persons household $21,150 $35,300
    -- Seven persons household $22,650 $37,750
    -- Eight or more persons $24,100 $40,200

  • Be willing and able to provide a minimum 300 hours of volunteer "sweat equity" with Habitat through the completion of your house
  • Be willing and able to pay $600 as a down payment due in full prior to the start of construction on your house
  • Attend and participate in workshops on home maintenance and household budgeting as provided by Habitat
  • Allow credit and criminal history reports as well as verification of reported income, employment and rental history. Be free of foreclosure, repossession, and/or bankruptcy within the past three years. Be free of a felony conviction and not a registered sex offender.
  • Provide a photocopy of the latest year's federal tax return
  • Be willing and able to maintain your Habitat house in a manner acceptable to Habitat for Humanity
  • Submit a completed and signed Application for Habitat Housing no later than March 31.


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