Support the We Build Together Campaign Join Us!

Welcome to the 2021 Homeownership Program Pre-screen Application

 
 

Habitat for Humanity Philadelphia, Inc. provides qualifying households who complete our program requirements the opportunity to purchase a home in the city of Philadelphia through an affordable mortgage.

Start Homeownership Program Pre-screen Application

Anyone applying to the Homeownership Program must qualify along with our income and credit guidelines; in addition to being willing to complete program requirements, such as performing a minimum of 125 hours of sweat equity (volunteer service hours), attending monthly workshops, completing a set of pre-homeownership counseling sessions, and saving monthly for closing costs within an 8-month period.

Once you submit an online pre-screen application, our Homeowner Services team will confirm whether your household meets our basic program guidelines. If you qualify, you will be asked to submit a full application, which includes submitting an application fee ($35 per borrower), sharing any requested additional verification documents, and as needed, interviewing with our team.

Our selection process will also include a review of your household finances, credit history, employment history, residency, and other qualifications.

The pre-screen application is only made available when our construction schedule has homes available. If you have applied in the past, you will need to submit a new application each time we have homes available. All pre-screen applications that are received on time and filled out completely will be entered into a lottery for consideration. The lottery ONLY determines the order in which your full application will be reviewed. It does not guarantee you a home or a place in our Homeownership Program. We will review applications until we find our desired number of program participants for this application cycle.

How do you know if you qualify?

  • Applicants/Co-applicants (i.e., the borrower/co-borrower on the mortgage) must have verifiable income from the past two years.
  • Applicants must have a history of reliable payments on their credit report, with no bankruptcies filed within the past two years.
  • Applicant’s debt to income ratio is below 36%.
  • Applicants must be at least 18 years old.
  • Applicants have never purchased a Habitat home in any place (note: owning a non-Habitat home in the past will not disqualify an applicant).
  • The household does not have more than 8 individuals (including children).
  • Households with a combined annual gross income of up to 80% of the area median income (AMI) may qualify. AMI is calculated and updated each year by the Department of Housing and Urban Development. Please see the 2021 chart of income eligibility below for reference.
Household SizeMinimum Household IncomeMaximum Income
Household Size1Minimum Household Income$33,100Maximum Income$52,960
Household Size2Minimum Household Income$37,800Maximum Income$60,480
Household Size3Minimum Household Income$42,550Maximum Income$68,080
Household Size4Minimum Household Income$47,250Maximum Income$75,600
Household Size5Minimum Household Income$51,050Maximum Income$81,680
Household Size6Minimum Household Income$54,850Maximum Income$87,760
Household Size7Minimum Household Income$58,600Maximum Income$93,760
Household Size8Minimum Household Income$62,400Maximum Income$99,840

Start the 2021 Homeownership Program Pre-screen Application

Questions or need technical support completing online the pre-screen application? You can request an appointment to meet with a Homeowner Services team member at our office via phone (215-765-6000 ext. 18) or email (family@habitatphiladelphia.org). Please note our office requires masks for entry and is closed to visitors who don’t have a confirmed appointment – no walk-ins.