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Peace of mind knowing your family has a place to call home.

HabiJax helps working families achieve the dream of homeownership

If you are in need of immediate housing assistance, please contact the United Way at 211.

Become a HabiJax Homeowner

Join us for our next Homeowner Information Session August 17th at 12 noon. Click Here to register. This is the required first step in the homebuying process.

Are you eligible?

All applicants must meet the criteria listed below. If you are married, both parties must be included on the application and both meet all criteria. We cannot accept your application if you are separated but not legally divorced.

Need for Housing (you only need to meet ONE of these criteria):

  • Living in an inadequate shelter due to problems with heating, water supply, electricity, etc.
  • Living in overcrowded conditions
  • Spending more than 40% of income on housing (rent + utilities)
  • Residing in a drug or crime-infested and unsafe neighborhood
  • Residing in Section 8 or Public Housing
  • Residence is not secured by an official lease agreement

Willingness to Partner:

  • Complete 200 hours of “sweat equity” (volunteer hours)
  • Accept a home built by HabiJax
  • Participate and complete Homeownership Preparatory Training and Educational Workshops
  • Cooperate with and meet the requirements of lending partners
  • Be a good steward of HabiJax in the community

Ability to Pay Mortgage:

  • Work with lending partners to receive a pre-approval and make monthly mortgage payments (as per agreement with lender)
  • Make a down payment of 1% of the purchase price of the home
  • Maintain full-time employment for at least 1 year or part-time employment for at least 2 years
  • Meet a minimum credit score requirement of 620
  • Have no more than $500 of delinquent debt (unpaid debt sent to collections)
  • Meet monthly income range for your household size listed below
Homeownership

2022 Monthly Gross Income for Duval County

(Your income must fall between the two incomes for your family size. Income levels are effective April 1, 2022)

  • Household
    Size
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8
  • Minimum Monthly Income
  • $2,442
  • $2,788
  • $3,138
  • $3,483
  • $3,763
  • $4,042
  • $4,321
  • $4,600
  • Maximum Monthly Income
  • $3,904
  • $4,463
  • $5,021
  • $5,575
  • $6,025
  • $6,471
  • $6,917
  • $7,363

Use this calculator to determine if you meet our income requirements:

The 12 Steps To Homeownership

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing, including race, color, religion, sex, and handicap, marital or family status or national origin.

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