You May Already Qualify For Homeownership

Only 2 brand-new, 3-bedroom, 2-bathroom townhomes remain available! Stop renting and build equity in a community built for your family.

Key Qualification Checklist:

> Household Size: 3-4 People

> Annual Household Income: $45,000 – $56,000

> Review additional requirements

I'm Interested!
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Why Cultivate Townhomes

Property Highlights

Brand-New Construction: Move into a freshly built 3-bedroom, 2-bathroom home designed for low maintenance and energy savings.

Prime East Charlotte Location: Enjoy easy access to local schools, public transit, dining, and shopping hubs.

Predictable Monthly Payments: Say goodbye to unpredictable rent hikes with fixed-rate, affordable homeownership options.

Fill Out Your Interest Form

Elvira Floorplan

1,280 sq ft 3 bed 2.5 bath

 

This impressive townhome design features a variety of features and specifications you’ll love including: 

  • Open-Concept Floorplan
  • Modern Kitchen w/ Included Whirlpool Appliance Package (Electric Range, Refrigerator, Dishwasher, Microwave)
  • Laundry Room w/ Washer + Dryer Included
  • Primary bedroom w/ En-Suite Private Full Bathroom
  • Spacious Bedrooms w/ Lots of Natural Light
  • Two Covered Porches in Front and Back 
  • Private Parking Lot   

Location

Tucked away in a quiet, established neighborhood, these homes offer privacy with views of mature trees.

Conveniently located near I-74 and E.W.T. Harris Blvd, you’ll have quick access to shopping, dining, Uptown Charlotte, nearby parks like:

  • McAlpine Creek
  • Mason Wallace

 

    Get Directions

    Simple 3-Step Process for Renters

    01
    Submit Interest Form

    Fill out the quick 2-minute form below.

    Complete Your Interest Form
    02
    Review Eligibility

    Our team will review your household size and income range.

    03
    Claim Your Home

    Qualified applicants move straight to final selection for the last two units. 

    *additional program requirements may apply

    See If Your Family Qualifies

    With only two new townhomes remaining in East Charlotte, submissions are reviewed on a first-qualified basis. Complete the short interest form below to take the first step toward owning your home.

    Complete Your Interest Form

    Homebuyer Program Qualifications

    Need for Housing

    To participate in Habitat Charlotte Region’s Homebuyer Program, you must not currently own a home and must meet at least one of the following guidelines:

    • Currently paying more than 30% of your gross monthly income (pre-tax) on rent
    • Living in overcrowded or substandard housing, such as:
      • More than 2 children    sharing a room
      • 2 children of different genders sharing a room
      • Children sharing a room with adults
      • Multiple adults sharing a room
    • Experiencing housing instability or limited housing options, such as:
      • Living in Public Housing
      • Participating in a housing assistance program
    Stable Income

    Applicants must earn at least $45,000 annually and no more than 80% of HUD’s Area Median Income. View HUD income charts for Iredell, Mecklenburg, or Gaston counties.

    Two Years of Continuous Employment

    Applicants must have been in their current position for at least three months. In addition, they must have at least two consecutive years of employment history, with no employment gap exceeding 60 days during that two-year period.

    No Delinquent Debt

    This includes past due accounts, collections, judgments, liens, and/or repossessions at the time of application.

    Limited Medical Collections

    No more than $15,000 in medical collections.

    No More Than 30% Usage of Maximum Available Credit Limit

    This includes outstanding (revolving) debt, excluding car loans, student loans, medical debt, and other secured debt.

    No Recent Bankruptcy Filings

    Any bankruptcy must have been discharged for at least two years by the time of application.

    Must Meet Our Minimum Debt-to-Income Requirement

    The ability to pay all current monthly debts that have more than 12 months of payments remaining plus the ability to afford the estimated mortgage payment in addition to these existing debts.

    Committing to Partner with Habitat

    Purchasing a home through Habitat Charlotte Region doesn’t require a down payment like a typical market-rate mortgage. Instead, families agree to partner with us by:

    • Performing 150-225 Volunteer Hours as a Homebuyer-in-Process (HIP), which includes education hours, construction hours, and community engagement opportunities.
    • Living and/or working in our service area – Mecklenburg County (except for Mint Hill and Matthews), Iredell County, or Gaston County – for at least the last 12 months. Approved applicants must have legal residence in the U.S. (Permanent Resident Card, Naturalization Document, or Birth Certificate).
    • Committing to a safe and drug-free community. Habitat Charlotte Region does not conduct criminal background checks for homebuyer program participants; however, sex offender checks are required.