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Homeowner Program

All homeowner applications are closed for 2024.

How to Qualify for a Habitat Home

Please read the following qualifications for your county before applying!

Thank you for your interest in becoming a Habitat homeowner. We believe that everyone should have a safe, affordable place to call home.

To carry out our vision, we partner with individuals and families from application through construction to when the keys are handed over.

By working with us from beginning to end, we can help prospective individuals prepare for the various responsibilities of homeownership, including learning about personal finances, mortgages, maintenance and upkeep of homes, and much more.

Habitat’s path to homeownership is an important and in-depth process, requiring hard work, time and dedication. But this helps to ensure the long-term success of Habitat homeowners.

In order to be eligible for the FAHFH Homeownership Program, you must be a resident or work in Cumberland, Bladen or Sampson County and meet the following criteria.

DEMONSTRATE NEED: You may qualify if your present housing meets one or more of the following:

  • Substandard

  • Unsafe

  • Overcrowded

  • Government subsidized

  • Unaffordable

  • If you are homeless

  • If you do not qualify for a conventional mortgage



IF YOU HAVE THE ABILITY TO PAY:  Meet the minimum gross monthly income based on county.  The ability to pay is reviewed on a case-by-case basis.  It is predicated on income, expenses, current debt, and other financial obligations.  You must demonstrate a consistent, stable, documented source of income; no unsatisfied liens, no judgements; and the ability to pay $550-$700 each for a monthly mortgage payment.




Completion of 300 hours of Sweat Equity.  You must be willing to submit to a home visit and meeting with our Family Matters Committee during the application process.  Approved Homebuyers complete all mandatory requirements of the Homeownership Program. An applicant cannot choose the specific location of their home and must be willing to accept a newly constructed or rehabilitated home, assigned based on availability. You must also agree to incur no new debt as a condition of acceptance into the program.

Offices Located: 

Cumberland County Office:

733 Bargain Street Fayetteville, NC 28303

Monday- Thursday 9am-5pm Friday 9am-12pm

Bladen County Office: 

207 E Broad Street 

Elizabethtown, NC 28337

Wednesday  10am-4pm

Sampson County Office: 

307 E Main Street

Clinton, NC 

Wednesday 10am-4pm

Call (910) 483-0952 if you have any questions regarding the process.


Grace Strong

Director of Family Services

910. 483. 0952


Deja Dawson

Family Services Coordinator

910. 483. 0952

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