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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.

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.)

At the bottom of this page, you can complete our eligibility questionnaire and sign up for one of our upcoming homeowner information sessions.

1) 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

2) 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

3) 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 640
    • Have no more than $500 of delinquent debt (unpaid debt sent to collections)
    • Meet monthly income range for your household size listed below
Homeownership

Info Session

Join us for our next Virtual Homebuyer Info Session at 2 pm on Tuesday, November 14th.

SEE IF YOU QUALIFY & REGISTER

2023 Monthly Gross Income Guidelines

Your income must fall between the two incomes for your family size. Income levels are for Duval County residents, effective May 15, 2023.

  • Household
    Size
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8
  • Minimum Monthly Income
  • $2,583
  • $2,950
  • $3,321
  • $3,688
  • $3,983
  • $4,279
  • $4,575
  • $4,871
  • Maximum Monthly Income
  • $4,133
  • $4,271
  • $5,313
  • $5,900
  • $6,400
  • $6,846
  • $7,317
  • $7,792

Income Calculator

to help you determine if you meet these income requirements:

The 12 Steps To Homeownership

  • Step #1

    Attend an Info Session

  • Step 2

    Complete Application for Homeownership

  • Step 3

    Document Review

  • Step 4

    Interview with Family Selection Committee

  • Step 5

    Mortgage Product/Lender Selection and Processing

  • Step 6

    Receive Pre-Approval

  • Step 7

    New Homebuyer Orientation

    • Begin Sweat Equity

    • Begin Monthly Check In meetings

  • Step 8

    Select Lot and House Style, Sign Purchase Agreement

    •1st Deposit Payment

  • Step 9

    Construction Begins

    •2nd Deposit Payment

  • Step 10

    Construction Complete

  • Step 11

    Final Mortgage Approval

  • Step 12

    Closing

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.