Homeownership
People in our community partner with Ashe County Habitat for Humanity to build a place they can call home. Habitat homeowners help build their own homes alongside volunteers and pay an affordable mortgage.
Section Title
The application period for 2023 has closed. Our next application period will likely be in early 2024.
Qualifications for the Homeownership Program
Need for Affordable Housing
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Current living condition is overcrowded, substandard or public housing.
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Current rent and/or utility costs are excessive.
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Current rent exceeds 30% of gross income.
Ability to Pay
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Applicants must have the ability to pay an affordable, no interest mortgage.
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Income must be stable and verifiable. Annual income must fall within 50% - 80% of Ashe County’s median income.
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Habitat mortgage payments and applicants' debt cannot exceed 40% of gross income.
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Applicants must have satisfactory credit that demonstrates the ability and willingness to repay the mortgage.
Willingness to Partner
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Live and/or work in Ashe County within 12 months prior to application.
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Must be a legal US resident.
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Willing to invest “sweat equity” by working 200 hours per adult to build homes.
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Willing to attend homeowner education classes.
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Willing to prepare and/maintain a personal budget.
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Have no serious criminal background.