Do I Qualify?

STEP 1 - Do I Qualify?

To be eligible to purchase a Habitat home, you must meet the following four criteria:

1. Live or Work in Fort Collins (or surrounding rural areas)

2. Need of Housing- You are unable to purchase a home through any other means and (any one of the following may apply):

  • Your shelter is inadequate - structural defects, lack of heat, maintenance problems, etc
  • Your housing is transitional or temporary – living with friends or family
  • Your family is overcrowded (number of persons in each bedroom, number of persons sleeping in rooms other than bedrooms)
  • Your environment is inadequate – family feels unsafe
  • Your family currently pays more than 40% of your gross monthly income for housing

3. Ability to Pay

  • Your total yearly income must fall within 35-60% of HUD’s area median income. (See HUD guidelines below)

  • You will be able to save a $1,000 down payment
  • Must have had any bankruptcy filing discharged 2 years prior to applying for a FCHFH home
  • Monthly debt plus monthly housing cost is less than 40% of gross monthly income
  • Cannot have owned a home within the last 3 years (with the exception of mobile homes)

4. Willingness to Partner

  • Willing to complete a minimum of 300 “sweat equity” hours for single-applicant homes and a minimum of 500 hours for dual-applicant homes.
  • Showing initiative by completing tasks in full by given deadline
  • Being a responsible homeowner and neighbor after you move into Habitat home
  • Making monthly mortgage payments on time consistently
  • Participating in publicity for Fort Collins Habitat for Humanity
  • Maintaining involvement with Habitat through support of future and current homeowners, fundraising endeavors and  community education

STEP 2 - Learn How to Apply 

Equal Housing Opportunity Statement: We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.