Habitat for Humanity is best known for its home build construction. Habitat does not give away houses, instead, we offer local residents the opportunity to purchase a home at an affordable price. In this program, staff and volunteers work alongside qualified home buyers as they build their own home. When construction is complete, the new homeowner purchases their home through a commitment fee and a low-interest rate loan, making it affordable for their budget.
Habitat for Humanity of Carroll County builds homes throughout the county.
Residency
To apply, you must:
- Must currently either reside and/or work in Carroll County AND provide proof of residency or proof of employment in this county for the previous 12 months.
- Be a permanent legal resident of the United States or a U.S. citizen.
- Have not owned a property for the previous three years, and
- Agree to live in the Habitat home as your main residence.
Housing need
We pick applicants who need a Habitat house the most. You must allow Habitat staff to visit your current home to see your housing needs. Examples of housing needs include:
- Not enough space where you live.
- Unsafe or unhealthy living conditions (like broken structures or bad plumbing).
- Living in a neighborhood that isn’t suitable.
- Staying in temporary housing or being homeless.
- Spending more than 30% of your income on rent and utilities.
- Not being able to get a regular mortgage.
Qualifying Income
Your household income cannot be higher than the limits in the chart below. The combined income includes anyone in your household who is 18 or older.
# of People in Household | 1 | 2 | 3 | 4 | 5 | 6 |
Maximum Income Level | $68,450 | $78,200 | $88,000 | $97,750 | $105,600 | $113,400 |
Income includes:
- Wages or salaries you expect to earn in the next 12 months (including dependable overtime, commission, or bonuses).
- Income from self-employment with proof of two years in the same work.
- Stable and regular public assistance, child support, alimony, or retirement income.
- Money earned from assets.
Willingness to Work with Habitat
If approved, you must be willing to meet Habitat’s requirements. This includes:
- Answering questions and providing information quickly and completely.
- Completing your sweat-equity hours.
- Helping with fundraising or public events.
- Agreeing to a criminal background check and giving letters of support.
- Telling Habitat if your household, income, or contact info changes.
What is Sweat-Equity?
Sweat-equity means you help with building or fixing homes, take homeowner education or budgeting classes, assist in the office, or do other approved activities.
Screenings
Applicant and any person over 18 years of age who will live in the Habitat home will be screened through the National Sex Offender Registry and will need to complete a criminal background check
You must:
- Be legally able to take on a loan.
- Meet debt and credit requirements.
- Show you can pay for down payment and closing costs (if needed).
Proof of Stable Income
We need to see that your income is steady and will continue in the future. Please note that your signature on the application gives Habitat permission to run a credit report.
You’ll need to provide the following documentation to Habitat:
- Two most recent years of tax returns
- Two most recent years of W-2 statements
- 30 days of more recent pay stubs
- Two most recent months of bank statements
For your security, we require that you deliver all the required Proof of Stable Income documents to our Habitat for Humanity office. We can make copies and return your originals if needed. The office is located at 255 Clifton Blvd, Suite 310, Westminster, MD 21157. Please call (410) 871-4138 or email info@cchabitat.org to schedule a time to deliver your documents.
Can Anyone Apply to Be a Habitat Homeowner?
Yes, anyone meets the qualification requirements may apply. We do not discriminate on the basis of race, sex, color, age, disability, religion, national origin, family/marital status, or because all or part of income is derived from any public assistance program.
Want to learn more or need help with your application? We are offering two informational sessions. These sessions are designed answer any questions about the application and the Habitat homeownership process.
Session #1 Thursday, March 13th at 6:30 PM
Session #2 Saturday, March 15th at 10:30 AM
Both sessions take place at the Habitat for Humanity ReStore located at 433 Hahn Rd. in Westminster. If you have questions, please email info@cchabitat.org or call (410) 871-4138.
164 S. Court St., located in Westminster, MD is half of a duplex.
About this home:
- Split foyer
- 3 bedrooms (all upstairs)
- 1.5 bathrooms
- Eat-in Kitchen
- Central Heat & Air
- 1030 sq. ft finished living space
- Sun porch
- Shed
- Lot Size: 3,267 sq ft
The sales price is $235,000. Habitat for Humanity of Carroll County provides a 0% interest loan. The estimated monthly payment is approximately $1,000 (including taxes and insurance).
The application for 164 s. Court St. is now open. Please visit here to apply. Applications are due by 5:00 PM on April 4th, this includes turning in all proof of income documentation to the Habitat office.
We build strength, stability, self-reliance and shelter.
Habitat for Humanity of Carroll County is pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout our service areas. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing based upon race, sex, familial status, physical or mental disability, color, religion, national origin, ancestry, presence of children, source of income, sexual orientation, gender, identity, age and family responsibilities.
