Qualifications for the Homeownership Program
Prospective Habitat homeowners must demonstrate a need for safe and affordable housing, be able to pay an affordable mortgage, and be willing to partner with Habitat.
Family Selection Criteria
Habitat for Humanity-Spokane is an equal opportunity housing agency that serves individuals that live or work in Spokane County. Homebuyers applying to Habitat-Spokane must meet the following criteria.
Primary Eligibility Requirements
Income Guidelines
An applicant’s household gross income must be less than 80% of Spokane County’s median income based on family size. The chart below shows the maximum income per household size.
| Family Size | Maximum Income Allowed | |
| 1 Person | $54,800 | |
| 2 People | $62,650 | |
| 3 People | $70,500 | |
| 4 People | $78,300 | |
| 5 People | $84,550 | |
| 6 People | $90,850 | |
| 7 People | $97,100 | |
| 8 People | $103,400 | |
| 9 People | $109,650 |
Credit Guidelines
A Qualified Loan Originator (QLO) at Habitat for Humanity-Spokane will conduct a hard inquiry of your credit upon application to the program to determine your Debt to Income Ration and to check for any derogatory marks that may impact the ability to qualify for a loan. Your credit score is not a determining factor for acceptance into the program. The QLO will review your credit report with you and will explain if there are any concerns with your report, and may refer you to a HUD Certified Credit Counselor if needed.
Informational Meetings
Habitat-Spokane now offers the Homeownership Informational Video ONLINE!
Contact
(509) 534-2552
homeownerservices@habitat-spokane.org
