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Homeownership in Coatesville

Front view of a house

Traditional Habitat Home Income Guidelines

Income should be between 40% and 60% of the published HUD Median Income for Chester County. For example, the median income for a family of four in 2020 was $96,600 a year.

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Residency:

  • Applicants must live or work in Chester County for a minimum of 1 year and hold US citizenship, or permanent resident status

  • Current Housing Must Meet One or More of the Following Criteria:

  • Current Shelter is inadequate

  • Temporary or transitional housing

  • Household is overcrowded

  • Environment is unsafe

  • Household currently pays more than 30% of total gross monthly income for housing

  • Unable to purchase a home through any other means

Credit:

  • Must have a fairly clean credit report or be able to speak to any damaging items on the report

  • Applicants should access their free credit report at www.annualcreditreport.com and contact a credit counselor to clear any negative remarks

  • Credit score needs to be around 600 or higher

  • No bankruptcies allowed in the past 7 years

  • Household debt to Income ratio should be 39%  or less.

  • No outstanding liens or judgments

  • No felonies present on a nationwide background check

Partner with Habitat:

  • Agree to complete a minimum of 200 hours of volunteer time (known as “Sweat Equity”) prior to closing on your home

  • Agree to complete a series of homeownership workshops

  • Agree to maintain your Habitat home in a manner that reflects pride in homeownership

 

If your credit and debt are preventing you from qualifying for a Habitat home, here are some credit counseling agencies that can assist you in working towards being approved for our homeownership program:

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Clarifi/CCCS of Delaware Valley 

770 E. Marshall Street, Suite 190

West Chester, Pa 19382

215.563.5665

Visit their website

 

Housing Partnership of Chester County 

41 W. Lancaster Avenue 

Downingtown, Pa. 19335

610.518.1522

Visit their website

Group picture of a family
Questions?

Questions?

Contact Brooke Seeger
Community Program Director
brooke@hfhcc.org
610-384-7993 ext. 115

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We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.

Contact Brooke Seeger
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