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 | $61,900 | |
| 2 People | $70,700 | |
| 3 People | $79,600 | |
| 4 People | $88,400 | |
| 5 People | $95,500 | |
| 6 People | $102,550 | |
| 7 People | $109,700 | |
| 8 People | $116,700 | |
| 9 People | $123,750 |
Credit Guidelines
Habitat for Humanity-Spokane partners with individuals and families to set them up for success as they seek the path to first time homeownership. Upon program application submission, a qualified loan originator (QLO) will review each applicant’s income and credit as part of the selection process. If approved, Future Homeowners will meet 1:1 with their Engagement Specialist, who is also a Certified Financial Social Worker, every month to continue to review progress with budgeting, spending, debt and credit. A soft inquiry of each Future Homeowner’s credit will be pulled every 3 months to track progress as they become lender ready. Since good credit is required to access homeownership and insurance, we focus on teaching long-term credit management skills per individual household needs.
Informational Meetings
Habitat-Spokane now offers the Homeownership Informational Video ONLINE!
Contact
(509) 534-2552
homeownerservices@habitat-spokane.org
