How to Qualify

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The Dallas Area Habitat for Humanity qualification process is unique; unlike other loan programs, your approval is not credit score driven. A comprehensive evaluation of your personal financial situation, including income and monthly budget, is evaluated to determine your ability to make an affordable monthly mortgage payment. Additionally, families interested in purchasing a home through Dallas Area Habitat must meet certain criteria.

This includes, but not limited to:
• U.S. citizenship or permanent residency
• Agreement to complete sweat equity hours
• One year of stable work history and
• Ability to make monthly payments of $600 - $900 and a one-time escrow payment of $2,000 for taxes and insurance

To qualify and apply to become a Habitat partner family you must meet the 3 main requirements:

      • Need for Shelter
      • Willingness to Partner
      • Ability to Pay

Income Guidelines:

Family Size Minimum
Income Year
Income Year
1 $12,320 $29,568
2 $14,080 $33,792
3 $15,840 $38,016
4 $17,600 $42,240
5 $19,008 $45,619
6 $20,416 $48,998
7 $21,824 $52,378
8 $23,232 $55,757

Applicants must fall within the income guidelines as determined by HUD, outlined above.


Why rent when you can own a Dallas Area Habitat for Humanity home?

If you meet the above qualifications and would like to learn more about becoming a Habitat partner family, take the first step and attend one of our MANDATORY homeownership orientations.  In the orientation you will receive additional information about the Habitat homeownership program and details on how to apply and qualify.

All orientations are held at Dallas Habitat's office:
2800 N. Hampton Road
Dallas, Texas 75212

For a list of our upcoming orientation dates please view our calendar of events or contact us at:

Main Number: 214-678-2300
Family Service Information Line: 214-678-2330

What should I bring with me to the orientation?
To apply for a home, you will need a $25, non-refundable money order for a preliminary credit report.

Frequently Asked Questions