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.

To qualify for the program, families must:

1. Demonstrate a need
2. Must have the ability to pay a modest mortgage
3. Be willing to partner in the building of their home

Equal Housing Opportunity Provider:
Families who apply to purchase a home from Brunswick County Habitat for Humanity will be approved by the Board of Directors in a way that does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, or because all or part of the applicant’s income is derived from public assistance programs.

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.

  • All applicants must be a legal citizen or legal resident of the US.
  • 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.
  • Custody or Legal Guardianship is required for children under the age of 18
  • Living in overcrowded or unsafe conditions
  • Subsidized, temporary or public housing
  • Substandard housing or homeless
  • Housing expenses greater than 30% of income
  • Unable to get a home loan from any other source or amount bank offers to lend is less than a person can find safe housing for in the county.

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.

  • Attendance at all homeownership classes and monthly meetings with a mentor.
  • Support your community as representative of Clallam County Habitat for Humanity
  • Open communication with HFHCC Staff
  • Construction, Restores, Community Outreach events, Fundraising and Administrative Office is available as part of your partnership while you are in our program.
  • Total of 250 hours per adult
  • Friends and family may help for a portion of these hours.
  • Those with physical disabilities may have a custom sweat equity plan designed, if needed, with doctors’ input

Habitat Clallam considers your household’s financial health and ability to get a home mortgage for up to 30% 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.

  • Income: Households with income from 45% to 80% of the area median income (AMI). (See chart). Reportable Income amounts including wages, Social Security, Social Security Disability, Child Support, other forms of reported Income, and All Debt will be Considered.
  • Veterans are encouraged to apply and may qualify with a higher AMI than 80% Max listed above.
  • Self-employed applicants must supply 2 years of current tax returns.
  • Must have proof of $300.00 saved in savings in an account at application time. Must keep this amount saved during the course of the program.
  • Debt: You should not have more than 15% of gross income going toward paying debts. This includes all debts including medical debts.
  • Credit: We will charge a credit report fee of $65.00 per applicant ($130.00 for two applicants) for servicing of credit report(s)at time application is submitted (this fee is non-refundable) We are not looking for a certain credit score, we are looking at your payment history and that there are no judgements that could attach to a future home as a lien. Any items in collections or charge-offs need to be paid before entering the program.
  • Student loan and medical debt are included in your total debt ratio. If you know your student loan payment amount please disclose otherwise it will be reported at .05%. If you do not have a score in your credit report, you will be asked to submit utility bills and/or other debts to demonstrate a payment history.
  • You will be offered construction-ready property that is in our land inventory.
  • We typically have land in many communities of Clallam County; however,
  • We cannot guarantee you a lot in a specific area.
  • Commitment to timely mortgage payments after closing. Monthly mortgage payments include principal payment, below-market interest, homeowner’s insurance premiums, property taxes, and any other applicable items such as HOA dues. This monthly payment will be affordable, not to exceed 30% of your gross monthly income.
  • Families typically work through the Clallam County Habitat Homeownership Program in 15- 20 months.
  • Factors such as your financial readiness, weather, and the availability of property can affect the time you are in the process.
  • Availability of volunteers in the homes designated area.
  • Please provide copies of all the requested documents that apply.
  • Prior 2 years most recent Income Tax Returns (please sign & copy ENTIRE tax return)
  • Prior 2 most current years W-2s, 1099 or F4506C form
  • Prior most recent 2 months Bank Statements (all types of bank accounts)
  • Prior 2 months most recent Pay Stubs for all listed on the application
  • Child Support Court Order/Custody Agreement
  • Child Support Payment History
  • SSI Verification- Award Letter
  • Other sources of income (Disability, Veteran or Unemployment Benefits, Alimony,etc.)
  • Copy of current Rental Lease
  • Signed Credit Release Form
  • Divorce Decree or Documentation of Legal Separation or Free Trade Agreement
  • Certificate of Release or Discharge from Active-Duty DD FORM 214
  • * Money order or check for Credit Report Fee (this fee is non-refundable)
  • Please Note: There will be a Credit Report fee of $65/1 applicant and $130/ for 2 applicants due at submission of application. Accepted payment types are Check or Money Order, Cash will NOT be accepted. Application and fee(s) can be delivered in person or by mail Only. This is non-refundable.
  • Submission of Applications are discouraged online due to the privacy of your information and will not be processed without payment of the non-refundable fee.

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