Your Dream of Homeownership is Achievable

Habitat Home Program Information

Application Cycle Is Closed

Repair a Home

Our application process is currently closed. Please check back later. We will post the dates of the next cycle at least two weeks before it opens with instructions of how to apply.

Please see the “How do I qualify for the new homeownership program?” in the Q&A section below to see if you qualify for the program. The income requirements are subject to change in 2023.

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Habitat Homes

Buy a Home Program

We like to help families help themselves. Prospective Habitat homeowners must demonstrate a need for safe, affordable housing. Once selected, Habitat homeowners must partner with us throughout the process. This partnership includes performing “sweat equity,” or helping to build their own home or the homes of others in our homeownership program. Sweat equity can also include taking homeownership classes or performing volunteer work in a Habitat ReStore or in a project.

buy a home program of St Lucie habitat

Homeownership Programs Q & A

Whether you’re interested in the “Buy a Home” program or “Repair a Home” program, many of your questions/answers can be found below.

How do I qualify for the new homeownership program?
How does it work?

Prospective Homebuyers in need of decent, affordable housing apply for homeownership with their local Habitat for Humanity.

Additional Requirements
  • Must live or work in St. Lucie County for 12 consecutive months prior to applying with Habitat.
  • All adults in the household must pass a criminal background check.
  • All members in the household must either be U.S. Citizens or legal permanent residents (Green Card).
Willingness to Partner
  • Willingness to complete the required 300 sweat equity hours to help build your home and other Habitat homes. Work beside volunteers and donors with a gracious, positive attitude and a happy heart!
  • Willingness to attend all required Homeownership education classes.
  • Be on time for all events, meetings, and opportunities.
Credit Check

St. Lucie Habitat will conduct a credit check. We do not take credit scores into consideration. However, accounts in collection, charge-offs, or unsatisfied public records will be considered. It is best to resolve credit issues prior to application.

Who can I contact?

If you or someone you know is interested in finding out about how to become a St. Lucie Habitat Homeowner, please call our office to speak with DonnaLea Askman, Program Director, at (772) 464-1117, ext. 104, or [email protected].

Things You Need to Know Before You Apply

The Application Process

Income Verification – 3 months most current (paystubs, award letters for benefits from Social Security, VA or other programs, self-employment income, court-ordered child support and/or alimony award letter, etc.).

Verification from Land Lord (You give the contact information and Habitat will verify).

A credit report will be pulled by St. Lucie Habitat – **Start working on any credit issues now**.

A background check will be conducted by St. Lucie Habitat for Humanity.

Tax Returns and W-2s for the past 2 years (if required to file).

Verification of Employment (You give the contact information and Habitat will verify).

Bank statements for ALL accounts – 3 months most current (All pages must be submitted).

Other obligations – divorce decree, custody arrangements, student loan information.


Valid Government Issued ID for each applicant & household members over the age of 18.

Birth Certificates for every household member.

Social Security Card or proof of Legal Residency Status for every household member.

Sweat Equity

Your willingness to contribute your own time and effort to partner with Habitat and serve the community.

Three hundred sweat equity hours required.

Participation in public relations and marketing efforts to help raise awareness & donations.

Participation in the build or rehabilitation of the home you will purchase & other Habitat homes.


Savings is your ability to save for the costs of a Habitat House.

Application fee (non-refundable) for credit and background check and employment verification (amount varies).

Habitat homes do not come with a washer/dryer, dishwasher, microwave or lawn equipment – HIPS must purchase these items on their own.

$750 processing fee (non-refundable, if accepted into the program).

Approximately $5,000 for closing costs.

Buy a Home

St. Lucie Habitat for Humanity is always looking for ways to revitalize the community and support its future homeowners. When funds are available, applications are accepted and reviewed to determine eligibility.


We offer critical home repairs to homeowners so they can continue to live in safe, decent homes for years to come.


Families are selected based on income, need, and willingness to partner.

Affordable Loans

Loans are made to the homeowner to cover the cost of the work. Payments are recycled to help serve others. Monthly or deferred payments will be required.


Volunteers & donated materials are used when possible.

Homeowner Selection and Support Committee (HSSC)

Selects homeowners based on 3 criteria:


The applicant’s level of need


The applicant’s willingness to partner with Habitat


The applicant’s ability to repay a mortgage through an affordable mortgage

The Homeowner Selection and Support Committee (HSSC) assists Habitat for Humanity (HFH) in the critical function of selecting qualified applicants to become HFH homeowners. Members support future homeowners through the processes of application through homeownership. Committee members attend application process meetings, groundbreaking and dedication ceremonies, and other community events to support applicants and HIPS.

As part of the support function of the committee, individual members serve as “advisors” to specific HIPS as assigned. When serving in this capacity, the member establishes regular contacts with the HIP and serves as a liaison between the HIP and HFH. These relationships may extend beyond the day homeowners move into their new homes.

buy a home program of St Lucie habitat

Happy Habitat Homeowners

St. Lucie Habitat for Humanity follows a nondiscriminatory policy of family selection. Neither race nor religion is a factor in choosing Habitat’s homeowners.

*NOTE: St. Lucie Habitat does not offer short-term housing, rental housing, or immediate occupancy.

St. Lucie Habitat for Humanity is pledged to the letter and spirit of the U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to becoming a homeowner due to race, religion, sex, handicap, familial status, or national origin.