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 may be considered for our program if your annual adjusted gross income is does not exceed 60% of the North Dakota median income for your family size; based on 2009 Federal income guidelines.
- Family of 1: $21,079
- Family of 2: $27,564
- Family of 3: $34,050
- Family of 4: $40,536
- Family of 5: $47,022
- Family of 6: $53,508
Ability to Pay: Since you will actually be buying your house from Habitat, you must demonstrate your ability to pay the monthly mortgage payment. The mortgage payment includes the mortgage principle, real estate taxes, and homeowner's insurance. We will help you determine if this payment will jeopardize your ability to meet all your other family financial obligations and expenses. We can also help you if you need to develop a budget to determine your eligibility.
Requirements: You must be a legal resident of Ward county.
Willingness to Participate as a Partner with Habitat: When selected, you become a "partner family." As a partner family you will be responsible for 200 hours of sweat equity per adult family member. This sweat equity is normally accomplished in construction of your house and the houses of others. This work may include clearing the lot, painting, helping with construction, providing food for volunteers, working in the Habitat office and attending Home Ownership Classes. Each adult family member can receive credit for 50 of the sweat equity hours put in by friends and family who join in the work.
You will be responsible for gas, water, electric, and other utility billings as well as maintenance and repairs of your house from the time you sign the mortgage.
To support your successful transition to home ownership, the Family Services Committee will continue a relationship with you for a minimum of six months after you have moved in.
