Homeownership

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.

Applicant Eligibility

To qualify for a Habitat for Humanity home, one must:
  1. demonstrate a need for safe, affordable housing,
  2. currently live or work in Carroll County (for a minimum of one year),
  3. have the legal capacity to incur and demonstrated ability to repay a mortgage
  4. Commitment Fee of $500 and
  5. have a total family income between 50% and 80% of Carroll County’s median income.  See the below chart for qualifications.
 
Family Size Minimum Income Limit Maximum Income Limit
1 $36,800 $58,880
2 $42,050 $67,280
3 $47,300 $75,680
4 $52,550 $84,080
5 $56,800 $90,880
Based on the concept of partnership, Habitat for Humanity commits to working with the local community to build houses and sell them to qualified buyers with a low-interest mortgage. In turn, Habitat for Humanity home buyers contribute “sweat equity,” attend homeownership workshops, follow program guidelines and repay their mortgage. If accepted into the Home Build program, a $500 commitment fee will be required at the time the letter of approval is signed.

Sweat Equity

The Home Build program requires Habitat for Humanity home buyers to contribute “sweat equity” toward their own home. 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!

To be considered for the Home Build program…

Email info@cchabitat.org to be notified of the next Home Build opportunity.  

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.  

Homeowner Seminars

Please attend a seminar to learn more

Donate Your Stuff

Help Families Build Homes

FREE Donation Pickup Is Available Now

Donating your household and building items is easy and FREE, and it helps us build homes for families in Carroll County. Habitat for Humanity ReStores are nonprofit home improvement stores and donation centers that sell new and gently used furniture, appliances, home accessories, building materials and more to the public at a fraction of the retail price.