Adjust Ban Book Bookmark Calendar Car Checked Circle Outlined Clock Close Coffee Equal Housing Opportunity Exclamation Facebook Female Flag Gift Globe Graduation Grid Hammer Hand Heart Habitat for Humanity Charlotte Habitat for Humanity Charlotte - Julia's Cafe & Books Habitat for Humanity Restore Charlotte Habitat for Humanity - Young Professionals House Instagram Leaf Line Chart LinkedIn Habitat for Humanity Restore Megaphone Menu Mobile Pencil Recycle Search Star Suitcase Tags Twitter Users Wrench YouTube Envelope

welcome home!

Hi neighbor! If you are here looking to learn how to become a homeowner through Habitat Charlotte Region’s homeownership program, you are in the right place. Every day we partner with hard-working families and individuals throughout the Charlotte Region to build comfortable, high-quality homes with affordable mortgages – a much better solution than paying more to rent a whole lot less!

program overview & requirements

Habitat Charlotte Region works with you to build a home with a mortgage that you can afford. Once your application has been reviewed and you have qualified for the program you become part of our family as a Habitat Homeowner-in-Process (HIP).

While we work together to build your home, you will attend 16 weeks of HIP classes. At these classes you will learn about personal financial management and acquire skills to maintain your new home. Our goal is to make you a successful homeowner!

In addition to HIP classes, you and your family are required to fulfill 300 Sweat Equity Hours. You will work side by side with Habitat staff, volunteers and other HIPs to work on your house, or volunteer with Habitat in other ways. Upon completion of HIP classes and fulfillment of your Sweat Equity requirements, we will work with you on closing, resulting in an affordable mortgage on a new home that you now own.


Need for Housing
  • Living in overcrowded housing
  • Living in substandard housing
  • Being a resident of public housing
  • Paying more than 30% of gross income on rent
  • Does not own a home at time of application
  • Unable to qualify for a conventional mortgage 
Willingness to Partner
  • Household willing to perform minimum of 300 Sweat Equity hours
  • Willing to complete Homeowner-in-Process education classes
  • Have lived or worked in Charlotte, Pineville, Mooresville, Troutman, Cornelius, Davidson, Huntersville or Statesville for the last year
  • Committed to a drug-free community and no serious criminal history
  • Applicants must be legal U.S. residents
Ability to Pay

Must be stable and fall between 30-80%* of HUD Area Median Income. See where your income falls on the AMI scale. If self-employed, you will be asked to submit the most recent two years of IRS 1040 Schedule C tax forms during the application process.

*Opportunities may be limited based on availability in the 60-80% range

Mortgage payments will be no more than 30% of the gross monthly income of the applicant(s). Applicant(s) will only be approved if the lowest monthly Habitat mortgage payment for their family size and total monthly debt expenses combined is less than 40% of their gross monthly income (debt-to-income ratio).

Delinquent Debt
No more than $1,200 delinquent debt at the time of application and all delinquent debt must be paid off before application approval.

Medical Debt
No more than $10,000 in medical collections.

Outstanding Debt
No more than $1,000 in outstanding debt at the time of application, excluding student loan or automobile loan debt.

Must wait two years after being discharged and reestablishing good credit to apply.

Application Steps

  1. 1 Complete Online Application**
  2. 2 Income & Credit Report
  3. 3 Orientation Session
  4. 4 Complete Documentation
  5. 5 Background Check
  6. 6 Pre-Approval

Step 01

Complete Online Application**

Please review all of the necessary requirements outlined on the Before You Apply page in order to complete your online application.

**Applications are ONLY available online and during advertised dates of open application cycles.

Note: Veterans of the U.S. Armed Forces are able to request and submit an application outside of the open application period. To do so, please email To learn more, please visit our Veterans Services page.

Step 02

Income & Credit Report

Habitat Charlotte Region calculates your income and pulls a credit report. If income and credit meet our requirements, you will be invited to participate in step 3.

Step 03

Orientation Session

Applicants that meet the initial criteria will be invited to attend a mandatory 1-hour orientation session and will receive a documentation packet required to move forward in the process.

Step 04

Complete Documentation

Submit all items requested in the documentation packet by the deadline provided.

Step 05

Background Check

Your criminal background, employment history and rental history are verified.

Step 06


Pre-approved applicants begin Homeowner-In-Process training, which includes attending mandatory homeownership classes and completing the required number of Sweat Equity hours.

Application Cycle Closed

The application cycle is currently closed. We will have another application cycle in September.

Click “Get an Email Reminder” below to learn more about the application process and what you’ll need to apply, plus the chance to submit an interest form that will sign you up for an email reminder when applications open next!

Get an Email Reminder

Habitat Program Info Sessions

See All Upcoming Sessions

Stay tuned for an announcement on the next event!
Habitat for Humanity of the Charlotte Region service area

House Size Policy

Household SizeBedrooms
Single adult or couple with no children2
Single adult or couple with 1 child3
Single adult or couple with 2 children3
Single adult or couple with 3 children 4
Single adult or couple with 4 children*4
Single adult or couple with 5 or more children5
Single adult or couple with 4 children where age (13 or over), age difference (4 yrs or more apart), or gender doesn't allow sharing5

House sizes for households with multiple adults or adults who are not married will be considered on a case-by-case basis.

* Children of the same gender who are under 13-years-old and fewer than 4 years apart in age could be required to share a room.