Own a Habitat Home

Our Approach

We partner with low and moderate income families to help them purchase safe and affordable houses.

The homes demonstrate our commitment to building in partnership with people in need. Where needed, the homes incorporate basic accessible features, such as wide passage ways or accessible doorways.

How does Habitat Savannah do it anyhow?

Habitat selects partner families based on income, need, and willingness to partner with us for the construction of their Habitat home.

Habitat builds or rehabilitates the Habitat home using volunteer labor and donated materials to keep costs low and takes no profit for our services.

Partner families contribute "sweat equity" - an investment of labor towards the construction of their future home.

The Habitat home is sold to our partner family with a no-interest, affordable loan. Loan payments do not exceed 30% of their combined household income.

Payments made by homeowner families are placed in a revolving fund to help Habitat for Humanity serve others in need.

Who is eligible to apply for a Habitat Savannah home?

Must live in Chatham County at the time of application submission for at least twelve (12) of the preceding twenty-four (24) months.

Must be a legal resident of the United States.

Must demonstrate a need for adequate, decent housing.

Must demonstrate fiscal readiness by having steady employment, reasonable income, and low debt to qualify.

Must demonstrate financial need.

Must be willing to partner with Habitat for Humanity Savannah by participating in a home site visit, by completing sweat equity hours, and by attending homebuyer education courses.

Must be dismissed (or out) for five years from Chapter 7 and for one year for Chapter 13 if applicable.

Click here for additional eligibility criteria.

How do you apply?

Habitat Savannah opens the home ownership application process on an as-needed basis as home sites and funds become available. To determine eligibility, applicants are asked to fill out a pre-application form which has basic questions on household size, housing need, income, and current residency status.

Habitat Savannah has now closed its pre-application process for 2014.

To apply:

  1. Review area median income limits for the homeownership program to see if you are eligible to apply.
  2. Print, complete, and submit the homeownership program pre-application.

The Family Selection Committee will reviewall pre- applications, vetting them according to need, ability to pay, and willingness to partner.

The Family Selection Committee will invite qualified applicants to a Homeownership Seminar. Habitat only allows participants that have submitted a pre-application to participate in the Seminar, which explains the next steps in the application process.

Applicants MUST attend the Homeownership Seminar in order to be considered for the Homeownership Program.

The prequalification process requires 30 to 90 days and includes application intake, financial review and home visit. Habitat Savannah is a long term housing solution; partner families commit 1 to 2 years to the application process.

Habitat Savannah does not discriminate against any applicant because of age, race, color, religion, sex, sexual orientation, handicap, familial status, or national origin.