Apply for a Home

You will be considered for a Habitat home if your present housing is not adequate, and if you are unable to obtain adequate housing through other conventional means. Lack of adequate housing may include problems with the present structure; water, electrical or sewage service systems; heating system, or failure to meet city property maintenance standards. Also taken into consideration are the number, the ages and the gender of children compared to the number of bedrooms in your present home.
The percentage of your monthly income that you currently spend on housing is considered to determine need. You will be required to openly and fully discuss your financial situation with Habitat personnel.
You and your family will be considered if your annual total income is between 30-60% of the median income for Erie and Huron Counties.

Families must demonstrate their ability to pay monthly mortgage payments, which will include monthly payments for real estate taxes and insurance. Families must have the financial resources to meet all other living expenses and obligations.

Families will be considered where income is in the range of 30% to 60% of Median Family Income limits as calculated for the current fiscal year by the HUD office. Gross annual income should fall within the limits below for the size of family.

SANDUSKY, OH MSA 2009 Guidelines (this includes all of Erie County)
Family Size	30% Median	60% Median
One	$15,857	$26,900
Two	$15,857	$30,800
Three	$17,300	$34,600
Four	$19,200	$38,400
Five	$20,750	$41,500
Six	$22,300	$44,600
Seven	$23,850	$47,700
Eight	$25,350	$50,700

HURON COUNTY 2009 Guidelines
Family Size	30% Median	60% Median
One	$15,857	$24,100
Two	$15,857	$27,600
Three	$15,857	$31,000
Four	$17,200	$34,400
Five	$18,600	$37,200
Six	$20,000	$40,000
Seven	$21,350	$42,700
Eight	$22,750	$45,500

If you would like to learn more about homeownership, call us (419) 433-2609 or toll free (877) 374-3487 or complete the online interest form and we will contact you before we have our next meeting.