Qualify & Apply

We are not currently accepting applications for our homeownership program. We only accept applications when we have homes available. Please fill out our interest form below to be notified about our next open application round.

Be Notified

How to Apply  

We are not currently accepting applications for our homeownership program. We only accept applications when we have homes available. Please fill out our interest form below to be notified about our next open application round. 

Program qualifications 

  1. Homeownership 
    Must be a first-time homebuyer or have not owned a home in the last 3 years.  
  2. Residency 
    Must be a US Citizen or be a Permanent Resident of the US
  3. Willingness to Partner 
    Homebuyers participate in the construction of their home by completing 300 hours of sweat equity. Hours can also be completed by attending required classes, volunteering at our ReStores or by volunteering in your community. 
  4. Need
    We serve households that make between 35%- 60% of the Area Median Income for the Portland Metro Area.
  5. 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 $30,000 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.   

Annual Gross Income Guidelines

Household SizeMinimumMaxiumum
1$30,000$40,698
2$30,000$46,512
3$30,524$52,326
4$33,915$58,140
5$36,628$62,791
6$39,341$67,442
7$42,055$72,094
8$44,768$81,396

Homeownership Interest Form 

Please note that this interest form is not an application for a Habitat home, but provides us with your contact information so that we can notify you when we will be accepting applications.