Homebuyer Selection Criteria

Homebuyers applying for a Habitat for Humanity Seattle-King & Kittitas County home must meet the following criteria:

1. Income

Total household income must be 80% or less than the area median income (some areas require less than 60% or 50%). Note that unemployment income cannot be counted.

Household SizeKing CountyKittitas County
Maximum Income Chart

2. Ability to Pay

Applicants must demonstrate that they can afford the home’s mortgage payment without being cost burdened. The following must also be true:

  • All other monthly debt obligations must not exceed 13% of an applicant’s monthly gross (pre-tax) income (includes proposed HOA/COA dues, installment loans, credit card debt, etc.)
  • Applicants must be clear of any liens and judgments. Any bankruptcies must be discharged at least 4 years ago
  • Applicant must have worked in the same occupation for one year or at least two years if self-employed
  • Applicants must show that they have at least 1% of the purchase price set aside at time of application

All applicants are screened for our Debt Barrier Removal Program which aims to remove debt as a barrier to homeownership for those who would otherwise qualify for a home.

3. Residency

Applicant must meet the following residency requirements:

  1. Applicant must live or work in county they are applying
  2. Applicant must not have owned a home within the last 3 years.
  3. Applicant must use the home as their primary residence

4. Willingness to Partner

Applicant must be willing to complete at least 150 hours of Sweat Equity per buyer. In some cases, more hours are required based on the funding source. Buyers will know their requirement when they are selected. Sweat Equity is Habitat’s term for the labor Habitat homebuyers put into building their Habitat home. Hours are completed by working on the construction sites, in the Habitat stores, through homeowner education classes, or by working in our office. We will accommodate individuals who are not physically able to work on the construction site on a case by case basis.

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