Partner Lending path

The Homeownership program opens soon! Applications will be available September 21-24, 2026. The submission deadline is October 1 at 4:00pm

Homeownership is within reach!

Habitat for Humanity of Forsyth County makes homeownership possible to hard-working families in Forsyth County, North Carolina.

Through classes in budgeting, financial literacy, and home maintenance—and by contributing volunteer “sweat equity”—future homeowners gain the knowledge, skills, and confidence to succeed.

At Habitat Forsyth, homeowners don’t receive a home—they earn it. They are purchased through an affordable 30- year mortgage. Habitat Forsyth’s Program turns Homeowners in Progress into Home Buyers!

Each family’s journey builds not only a foundation for their future but also strengthens the community we share. Learn more here:

Homeowner in Progress Program

QUALIFICATION GUIDELINES

To qualify for Habitat homeownership, eligible applicants demonstrate an ability to make a monthly mortgage payment, have a household income within program limits, and a willingness to participate in the Habitat program.

2025-26 Income Guidelines

Partner Lending Path

60%-80% AMI with a Minimum Income of $50,000 annually.

Family Size	Annual Income
1	$50,000 – $53,400
2	$50,000 – $61,000
3	$51,488 – $68,650
4	$57,188 – $76,250
5	$61,763 – $82,350
6	$66,338 – $88,450
7	$70,913– $94,550
8	$75,488 – $100,650

Debt Ratio — The total of all monthly loan payments, including estimates for deferred student loans and the future mortgage, must not exceed 36%.

Credit:

Medical Collections Accounts must be less than $5,000
Student Loans cannot exceed more than 1.5 years of your annual gross income
No bankruptcies/foreclosures in the last five years
Collections and charge-off balances or other old debt balances on credit reports must be less than $15,000 at the time of application and must be capable of being resolved before the purchase of the home
No outstanding judgments

Rental History:

Minimum 12-month rental history

Closing Costs & Emergency Savings:

Ability to save $4,000

Willingness to Partner

Applicants must be willing and able to participate in Homeownership Program classes, commit to strengthening their financial knowledge through educational opportunities, comply with all program requirements, complete volunteer hours, and serve as an ambassador for Habitat for Humanity of Forsyth County. (Accommodations are available for applicants with disabilities).

Applicants must be willing to accept the location and design of homes Habitat has available at the time of Lot Selection.

Frequently Asked Questions

Who can apply?

Anyone and any family can apply- we are an Equal Housing Opportunity organization

What are the required qualifications?

US Citizen or Legal Permanent Resident
Live or in Work Forsyth County for over 12 months
1st Time Homeowner/ Have not owned a home within the last 3 years
Have not previously owned a Habitat home
Need for Housing
Ability to Pay
Save $4,000 to cover closing cost
Meet Income Guidelines
Reasonable Credit History
Willingness to Partner

Do I still qualify if I don’t have great credit?

We don’t look at your credit score but we do look at your total amount of debt and annual gross income to determine your Debt-To-Income Ratio. Your Debt-To-Income Ratio cannot be over 36% in order to qualify for the program.

Do I still qualify if I am currently on Section 8?

Having Section 8 or receiving any other kind of housing voucher will not disqualify you automatically from the program. Although income verification is required, Section 8 is not considered as income and cannot be applied to your affordable Habitat Mortgage

How much will my mortgage payment be?

Mortgage Payments are Based on Affordability and Will Not Exceed 30% of Monthly Gross Income

When can I move into a Habitat home?

Typically it can take 18-24 months from the initial application process to a family purchasing and moving into a new home.

Homeownership Program Orientation Q&A Sessions

Mark your calendar!
Please watch our Partner Lending Path video below for information about Habitat Forsyth’s Homeownership Program, and join us for an information session held on Zoom. You’ll have an opportunity to learn more about the paths we offer to home ownership and ask questions about our new Townhome community.

Q&A sessions will be held on September 9th and 17th, in both English and Spanish. Click the links below to join the live sessions.

NOTE: Links only work during the time listed.