Download our "Own a Habitat Home" brochure here.

Descargue aqui el folleto “Sea Propietario de una Vivienda de Habitat.”

إمتلك مَسكَن هابيتات


Click HERE for information on current homeownership application dates.




To be eligible for Habitat homeownership, applicants must either be U.S. citizens or permanent residents, meet criminal background check requirements, and have a:

1.  Housing need

2. Willingness to partner with Habitat

3. Ability to afford homeownership


From application to owning a home takes approximately 6-18 months. Habitat is a long-term homeownership program and does not provide emergency housing.

The following are general guidelines for eligibility to purchase a Habitat home.


Housing Need

Applicants should have a housing need such as living in overcrowded conditions or unsafe environments, having high housing costs, or being unable to qualify for a traditional home loan. If qualified financially, applicants will receive a home visit to further evaluate their housing need. Applicants should not have owned a home in the last three years nor had a foreclosure in the last four years. Habitat of Greater Nashville serves those living or working in Davidson, Cheatham, Dickson, or Wilson counties for at least six months. For Habitat affiliates in other areas, visit


Willingness to Partner

Applicants must be willing to attend classes and volunteer with Habitat to earn “sweat equity” hours. If accepted, they will participate in HomeWORKS classes for 5-6 months to prepare for homeownership, volunteer to build their own home and/or others’ homes, and volunteer in the Habitat ReStores. (Accommodations can be made for applicants with disabilities). Applicants must also be willing to accept the location and design of homes Habitat has available. Details regarding upcoming home and build locations is provided at Information Meetings and on our website. For Nashville application dates, click here. For county contact information for an office nearest you in the Greater Nashville area, click HERE.


Ability to Afford Homeownership

Applicants must prove their ability to afford the monthly mortgage and household expenses as described below.


Income — Habitat requires steady income history for the last two years in the United States with at least six months of history for current employment or income sources. Self-employed individuals must have at least one full year’s tax filing showing self-employment income. See the chart below for general income guidelines.  These are subject to change, and having income within these guidelines does not guarantee eligibility.


Credit — While Habitat does not generally have a credit score requirement, we consider recent history of payments on rent, utilities, loans, and other expenses. Additionally, the amount of monthly loan payments, including estimates for deferred student loans, is considered. Bankruptcies must have been discharged or dismissed for one year for Chapter 13 and two years for Chapter 7.


Applicants must be able to save a minimum of $2500 for closings costs and resolve old debts on their credit reports such as collections and judgments. Applicants have approximately one year to accomplish these goals while completing their sweat equity. You can order a free copy of your credit report from, or by calling 1-877-322-8228.



Household Size

Minimum Applicant Annual Income*

Maximum Household** Annual Income

























*Minimum Applicant Annual Income may be slightly lower for Cheatham, Dickson and Wilson counties.

**Maximum Household Annual Income may be different than Applicant Income as it includes the entire household.


For more information regarding any of this information, call 615-254-HOME,
or email: homeownerservices

Seeking to put God’s love into action, Habitat for Humanity brings people together to build homes, communities and hope.