Bryan/College Station Habitat for Humanity believes 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 homebuying program helps low-income families escape poverty housing by building and buying an affordable home. B/CS Habitat for Humanity sells 3, 4 and 5 bedroom homes to qualified applicants through a 30-year 0% interest-rate mortgage.

If you are interested in becoming a Habitat homeowner, please first read the requirements below to see if you may qualify.

UPDATE: B/CS Habitat is now building on land owned by applicants to our Homebuyer Program. This is subject to proof of a clean title, determination by Habitat that the land is buildable, and approval of the applicant into the Homebuyer Program. Contact Habitat for more information or come to one of our Homebuyer informational sessions in August.

Requirements to Qualify

To be accepted into the homebuyer program, you must:

  • be a U.S. citizen or legal resident and
  • live or work in the Brazos County for the past 12 months
To be accepted into the homebuyer program, you must demonstrate at least one (1) of the following:

  • 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, such as a conventional market loan

To be accepted into the homebuyer program, you must:

  • Have 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 its total 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. See Qualification Income Limits chart below for local income limits.)
  • 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.
  • Have been at current place of employment for at least one year

Qualification Income Limits

The area median income of a family of 4 in Bryan-College Station is $67,300 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 2018)
Household Size Minimum (35%) Annual Minimum (35%) Monthly Maximum (80%) Annual Maximum (80%) Monthly
1 $21,150 $1,763 $38,400 $3,200
2 $21,150 $1,763 $43,850 $3,654
3 $21,600 $1,800 $49,350 $4,113
4 $24,000 $2,000 $54,800 $4,567
5 $25,900 $2,158 $59,200 $4,933
6 $27,850 $2,321 $63,600 $5,300
7 $29,750 $2,479 $68,000 $5,667
8 $31,700 $2,642 $72,350 $6,029
9 33,600 $2,800 $76,750 $6,396
10 $35,500 $2,958 $81,150 $6,763
To be accepted into the homebuyer program and complete the homebuyer program (required to purchase a mortgage from B/CS Habitat for Humanity) you must:
  • Provide B/CS Habitat with a minimal down payment
  • Fulfill required “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

How to Apply

1. Completely fill out the application and gather the required documents as listed on PAGE 4 page of the application packet.

2. Completed applications and copies of required documents will be accepted at our office located at 119 Lake St., Bryan, TX 77801.

3. Your appointment may take up to an hour so please plan accordingly.

NOTE: If you need special assistance, please let us know at the time you schedule your appointment.

For more information, contact our Homeowner Services Manager, Karla Sandoval, at (979) 823-7200 extension 101 or at ksandoval@habitatbcs.org.