Home Builds
Habitat for Humanity is best known for its home build construction. 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.
The application for our upcoming build in Taneytown is closed.
Applicant Eligibility
To qualify for a Habitat for Humanity home, one must:
- Demonstrate a need for safe, affordable housing,
- Currently live or work in Carroll County (for a minimum of one year),
- Have the legal capacity to incur and demonstrated ability to repay a mortgage
- Commitment Fee of $500 (once approved) and
- For the upcoming build in Taneytown, we are partnering with the USDA Rural Loan Program. The USDA Program has different income guidelines than our in-house loans (see below) and also requires a credit score of 640 or above.
- Perform “sweat equity”. We require 250 hours of “sweat equity” for one applicant and 100 hours of each additional applicant before the purchase of the home. Family size determines the total number of required hours. However, no construction experience or physical ability is required. Habitat for Humanity works with all partner families to train them in new skills within their abilities so that our homeowners can be successful in completing their sweat equity!
USDA Income Requirements
| Family Size | Minimum Income Limit | Maximum Income Limit |
| 1-4 | $37,000 | $79,900 |
| 5 or more | $37,000 | $105,450 |
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.
