Program Qualifications

Learn more about how you can qualify for affordable homeownership.

1. Homeownership 

Must be a first-time homebuyer or have not owned a home in the last 3 years.  

2. Willingness to Partner 

Homebuyers participate in the construction of their home by completing 200 hours of sweat equity. Hours can also be completed by attending required classes, volunteering at our ReStores or by volunteering in your community. 

3. Need

We partner with households that make between 35%- 80% of the Area Median Income for the Portland Metro Area.

4. Ability to Pay 

Applicants must demonstrate the ability to repay an affordable mortgage. We verify income, work history and credit during the application process. Applicants must have a minimum verifiable combined gross income of $37,000 and 2 years of work history for any employment income. Habitat does not have a minimum credit score requirement, but we do take into consideration your credit history and current debt.  

Please contact homeownership@habitatportlandregion.org for additional information regarding our financial qualifications. Habitat cannot determine program eligibility prior to the submission of a completed application. 


Annual Gross Income Guidelines

Household SizeMinimumMaxiumum

More information

Homeownership FAQs

Take a look at some of the common questions people have about our homeownership program.

Next steps

View the homes we have available or coming soon.