Homeownership Program

This is real homeownership.

Habitat Clallam is here to help you find the path to owning your own home. We provide affordable homeownership opportunities for income-qualified families. Acceptance into the program must meet the eligibility criteria below.

Habitat homeowners:

  • Own their homes
  • Pay a monthly mortgage
  • Pay property taxes and homeowner’s insurance
  • Repair and maintain their homes
  • Earn equity and build wealth!
Key inserted in door lock against a blurred green background, symbolizing security and real estate.

Program Eligibility Criteria

Your household income and size must meet the annual income guidelines. To be eligible for a Habitat home, your total household income must be below 80% of the area median income. Household income guidelines are set by the United States Department of Housing and Urban Development (HUD) and updated each year.

Each applicant and co-applicant must live in Clallam County for at least twelve (12) consecutive calendar months at the date of the pre-application.

This is our term for your participation in the program. Purchasing a home through Habitat Clallam requires a commitment of time and energy. Once qualified as a partner family each applicant will need to complete 250 hours of “Sweat Equity” per adult in the household, including completing the required homebuyer education, financial management, and home maintenance classes.

Habitat Clallam considers your household’s financial health and ability to get a home mortgage for up to 33% of your annual gross income. A future homeowner must have a steady source of income and they must demonstrate financial responsibility. Sources of income include but are not limited to: social security, unemployment benefits, alimony, child support, food stamps, or disability.

The Path to Homeownership

Applying to the Homeownership Program

Not always – the application process is only available based on the timeline for the next available build cycle. We will alert the community on our website and social media 30 days before the next open application cycle.

If you’re interested in learning more about our Homeownership Program, click here to complete our contact form. We will reach out to you as soon as we can.

Please know that at certain times of the year, the number of requests we receive could mean it may take up to 72 hours to hear from us.

Habitat Builds: Past, Present, and Future

Explore our past, current, and upcoming construction sites where we’re working to create stability and generational wealth for local families.

Whether you’re interested in homeownership or learning more about our impact, check out where we’ve been and where we’re going next.

Explore Habitat Builds

Already Own a Home and Need Critical Repairs?

Our skilled construction staff and volunteers help qualified homeowners who have limited incomes with a variety of repairs meant to preserve the house.

Learn More About Our Critical Repairs Program