Homeownership Prequalification Process

Homeownership is Within Reach: Start Your Path to Habitat Homeownership

Scroll below to learn more about the Habitat program's requirements and to complete a brief self-check list.

You will then be asked to submit a non-refundable application fee payment that covers your soft credit check and application processing. This fee does not guarantee acceptance into the program.

Not sure yet?
We invite you to sign up for Foundations First, our new three-part educational series designed to help future applicants:

✅ Understand income and eligibility requirements
✅ Get financially prepared and “loan ready”
✅ Build strong budgeting habits
✅ Gather required documents
✅ Learn what it takes to partner with Habitat for Humanity

The income level required is based on the number of people who would be living in the home. This is between 30 percent and 80 percent of the Area Median Income (AMI) for the Tampa-St. Petersburg-Clearwater MSA (metropolitan statistical area). The numbers are based on guidelines adjusted each year and defined by the U.S. Department of Housing and Urban Development (HUD). These figures include all forms of income: employment, public assistance, social security, disability, child support, etc. The ranges to the right reflect the 2025 HUD guidelines.