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.


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 if the applicant meets the initial qualifications. The Homebuyer Selection Committee, comprised of volunteers, conduct the home visit and determine which applicants qualify and recommend those who do for acceptance to the program. The Habitat Board of Directors then reviews those recommendations and decides on final approval. Total household income must to fall within 35-80% of the median household income range given above in the chart within the “Ability to pay” tab.

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 are not required to have perfect credit, but B/CS Habitat must ensure that payments are being made. B/CS Habitat does not check your credit score – we use the details of the report to determine 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 250 hours (per adult) 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 3 years from application to house closing.

In addition to sweat equity and homeowner classes, we ask homeowners 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

  • Check out resources at the Texas State Affordable Housing Corporation (TSAHC) website, where you can take their eligibility quiz (separate from Habitat for Humanity program) and learn about down-payment-assistance (some Habitat for Humanity homebuyers may be eligible for down-payment-assistance). TSAHC is is a statewide nonprofit corporation created at the direction of the Texas Legislature.
  • Learn more about Texas Bootstrap program.
  • Not ready to buy a home? Find information about U.S. Housing and Urban Development (HUD) rental assistance programs.
  • Did you know we also offer financial counseling to the public? Contact Homebuyer Services for more information about availability and our next classes.

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.

Meet local Habitat homeowners