Homeownership
Habitat for Humanity works in partnership with people in need to build and renovate decent, affordable housing. Homes are sold at no profit, with no interest charged.
Who May Qualify
- Demonstrated housing need
- Household income between roughly 50–80% of Del Norte County’s Area Median Income
- Ability to make affordable mortgage payments
- Willingness to partner through sweat equity
- Legal residency
Monthly mortgage payments are kept at or below 30% of gross income, following Habitat for Humanity International’s general guidelines.
Sweat Equity
Partner families invest hundreds of hours of labor — “sweat equity” — into building their own home and the homes of others. Exact hour requirements for Del Norte are still to be confirmed.
Application Process
- 1Submit a pre-application
- 2Household income, credit, and residency review
- 3Home visit and full application
- 4Family selection by the board
- 5Sweat equity hours and homeownership education
- 6Home purchase and move-in
Ready to Apply?
This is a pre-application to get the conversation started — the full application and financial review happens later, in person.