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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.

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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

  • Current living condition is overcrowded, substandard or public housing.

  • Current rent and/or utility costs are excessive.

  • Current rent exceeds 30% of gross income.

Ability to Pay

  • Applicants must have the ability to pay an affordable, no interest mortgage.

  • Income must be stable and verifiable. Annual income must fall within 50% - 80% of Ashe County’s median income.

  • Habitat mortgage payments and applicants' debt cannot exceed 40% of gross income.

  • Applicants must have satisfactory credit that demonstrates the ability and willingness to repay the mortgage.

Willingness to Partner

  • Live and/or work in Ashe County within 12 months prior to application.

  • Must be a legal US resident.

  • Willing to invest “sweat equity” by working 200 hours per adult to build homes.

  • Willing to attend homeowner education classes.

  • Willing to prepare and/maintain a personal budget.

  • Have no serious criminal background.

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