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Habitat International
Qualifying for a Home
There are no categorical barriers to obtaining housing through HabiJax, including race, color, religion, gender, handicap, familial status or national origin.
The first step towards qualifying for a home is to call (904) 798-4529 to schedule an appointment or submit your interest form online. All orientations are by appointment only.
The basic criteria to qualify for a HabiJax home starts with being a Duval County resident for six (6) months. In addition, applicants must demonstrate:
Need
- Inadequate current shelter because of problems with heating, water supply, structure safety, overcrowding, etc.
- More than 40% of income paid for housing
- Drug or crime-infested neighborhood
- Currently residing in Section 8 or public housing
Willingness to partner
- Willingness to complete 300 plus hours of “sweat equity”
- Accept home in areas where we build
- Accept the Repurchase Agreement
- Particpate in Homebuyer Educational Workshops
Ability to pay
- Must have had stable employment for at least one (1) year
- Stable, monthly income sufficient to meet routine expenses, maintain the house and make monthly mortgage payments
- Income must be between 30% to 60% of median income for Duval County
- Make a down payment of $500
- Acceptable credit (minimum FICO score of 600)
| Family Size | 30% Median | 60% Median |
|---|---|---|
| One | $1,142 | $2,280 |
| Two | $1,304 | $2,605 |
| Three | $1,467 | $2,930 |
| Four | $1,629 | $3,255 |
| Five | $1,758 | $3,515 |
| Six | $1,892 | $3,775 |
| Seven | $2,071 | $4,035 |
| Eight | $2,150 | $4,295 |
HabiJax families are supported through the home-buying experience by our staff of professionals who provide counsel in establishing good credit, creating a family budget, setting aside funds for future maintenance, purchasing insurance, paying taxes, maintaining your property and many other effective homeownership skills.
