Homeownership 2018-05-22T15:08:36+00:00

We believe in offering a hand up out of poverty housing, not a hand out. We’re on a mission to provide affordable housing and our homeowners join this mission. Our Habitat homeowners put in hundreds of hours of both training and volunteering before purchasing their home through Habitat. As a Habitat homeowner applicant, you’ll learn about budgeting and home maintenance and you’ll help other families achieve their dreams of homeownership too! If you are interested in becoming a Habitat homeowner, please first read the requirements below to see if you may qualify.

Equal housing opportunity

The selection of homebuyers who purchase Habitat homes is considered by the Homebuyer Selection Committee with final approval from the Habitat Board of Directors, using criteria that does not discriminate on the basis of race, gender, ethnicity, age, handicap, religion, marital status, or because all or part of the applicant’s income is derived from public assistance programs.

Download an Application

Requirements to Qualify


  • Homeowners must be U.S. citizens or legal residents and must live or work in Bryan/College Station for a minimum of one year.

Need for housing

  • Currently living in housing which is overcrowded or in bad condition
  • Currently paying 30% or more of income for housing
  • Currently unable to secure decent housing through other means, like a conventional market loan

Ability to pay

  • Stable income between 35% and 80% of the median income of B/CS (Housing is considered affordable when the household pays no more than 30% of their monthly income toward housing. We follow this guideline. If your income level would require you to spend more than 30% of your income on a Habitat mortgage, you may not qualify for our program.)

  • Demonstrate an ability to make regular monthly payments for rent, utilities and other credit obligations, including mortgage payments, real estate taxes, and homeowner’s insurance. We will help determine if this payment will jeopardize your ability to meet all of your family’s financial obligations and expenses.
  • Must have been at current place of employment for at least one year

Willingness to partner

  • Provide B/CS Habitat with a minimal down payment
  • Fulfill a minimum of 500 “sweat equity” hours
  • Disclose financial and personal information, including employment references, proof of income, payment stubs and records, etc…
  • Complete Habitat program application requirements, including home visit and interview
  • Attend all homebuyer workshop classes

  • Promptly make monthly home mortgage payments

  • Maintain and repair the home after occupancy

Qualification Income Limits

The area median income of a family of 4 in Bryan-College Station is $60,375 annually. These figures are updated annually by the US Department of Housing and Urban Development. We serve potential homebuyers who earn between 35-80% of this area median income (all household income included). This table is for reference purposes. Please do contact us if you would like more information about our program. (Last updated June 2017)

Household Size Minimum (35%) Annual Minimum (35%) Monthly Maximum (80%) Annual Maximum (80%) Monthly
1 $19,050 $1,588 $33,800 $2,816
2 $19,050 $1,588 $38,650 $3,220
3 $19,050 $1,588 $43,500 $3,625
4 $21,150 $1,763 $48,300 $4,025
5 $22,900 $1,909 $52,200 $4,350
6 $24,550 $2,046 $56,050 $4,670
7 $26,250 $2,188 $59,900 $4,991
8 $27,950 $2,330 $63,800 $5,316
9 $29,650 $2,471 $67,650 $5,637
10 $31,300 $2,609 $71,500 $5,958


No, but if you meet the criteria and are accepted into the program, we will invite you to become a Habitat homebuyer and purchase one of our homes.

After attending an information session, applicants submit an application. Applications are reviewed, and a home interview will be scheduled. The Homebuyer Selection Committee, comprised of volunteers, determine which applicants qualify and recommend those that do for acceptance to the program. The Habitat Board of Directors then reviews those recommendations and decides on final approval. Household income for families that qualify needs to fall within 35-68% of the median family income range given above.

If you are interested in the B/CS Habitat program and have reviewed the requirements, the next step is to attend an information session to learn more about our program and receive an application. To find out about the next upcoming information session, please call (979) 823-7200 ext. 101.

Yes. We will ask you as a homebuyer applicant to submit financial documentation to us. We will verify employment, check credit, and make an assessment as to whether Habitat is an appropriate program for you. You do not have to have perfect credit, but Habitat does need to ensure that payments are being made. Habitat does not check your credit score. A determination is made based on your outstanding debts, not including medical debts, and the payments you are making.

Sweat equity is the time participants invest in lieu of closing costs. Following approval by B/CS Habitat’s board of directors, the future homeowner must complete 500 hours of sweat equity before being able to purchase the home. Your friends and family may also help work toward your hours, and you may do sweat equity on our construction sites, in the office, or at our retail store.

The process typically takes 18-24 months from application to house closing.

In addition to sweat equity and homeowner classes, we ask families to share their stories. We occasionally ask homeowners to talk about the program or be featured in media, but we always respect your privacy and wishes. At Habitat, we build community by asking you to meet neighbors, get involved in Homeowners’ Associations and become a true partner to our program.

Other housing resources and information

Learn more about Texas Bootstrap program.
Not ready to buy a home? Find information about HUD rental assistance programs.
Did you know we also offer financial counseling? Contact Homebuyer Services for more information.

Meet local Habitat homeowners

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