Homeownership with Habitat

Habitat for Humanity of Chester County works in partnership with volunteers, donors, and the entire Chester County community to build simple, affordable homes for low-income families. Habitat homes are not free; partnering families are responsible for paying a mortgage for their homes in addition to completing “sweat equity” hours on the construction site. We are currently accepting applications for our Fuller Meadows community in West Grove, Pennsylvania. 

We are not currently accepting applications for traditional Habitat homes. Please read below for more on what a family needs to qualify and to complete an interest form. Submitting a form allows us to get in touch when our application window does open.

Traditional Habitat Home Income Guidelines

Income should be between 40% and 60% of the published HUD Median Income (80%) for Chester County. For example, the median income for a family of four in 2020 was $96,600 a year.

Residency:

Applicants must live or work in Chester County for a minimum of 1 year and are a US citizen, or a legal permanent resident.

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

  • Current Shelter is inadequate
  • Temporary or transitional housing
  • Household is overcrowded
  • Environment is inadequate or 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

Be Willing to Partner with Habitat:

  • Agree to complete a minimum of 200 hours of “Sweat Equity” prior to closing on your home. “Sweat Equity” is the term used to describe the hours required to volunteer with Habitat
  • Agree to complete a series of homeownership workshops
  • Agree to maintain your Habitat home in a manner that reflects pride in homeownership

If you’re credit and debt aren’t where you need it to be, here are some credit counseling agencies that can assist you in working towards being approved for your new Habitat home:

Clarifi/CCCS of Delaware Valley 
770 E. Marshall Street,  Suite 190
West Chester, Pa 19382
215.563.5665
Housing Partnership of Chester County 
41 W. Lancaster Avenue 
Downingtown, Pa. 19335
610.518.1522

If you would like to receive updates on the application deadlines and homeownership information, please fill out the form below. This is not the same as submitting an application for housing.

Questions? 

Click Here to Email Brooke Seeger
Community Program Director
brooke@hfhcc.org
610-384-7993, x14

Equal-Housing-Opportunity

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.