Become A Homeowner 2017-12-07T22:01:50+00:00

Become a Homeowner

Habitat offers a hand up, not a hand out. Our partner families re-pay an affordable mortgage and contribute sweat-equity hours building their home.  Becoming a Habitat homeowner has three basic requirements: demonstrated need for housing, willingness to partner, and ability to pay.

Income is the first criteria to be met (based on family size): 

GROSS ANNUAL INCOME between $24,420 and $58,133 depending on family size:
(Income includes annual cash receipts BEFORE taxes or deductions from ALL sources:  Salary, SNAP, child support, SSI, disability, AFDC/TANF, Social Security, pensions, alimony/maintenance, regular insurance or annuity, etc.)

1 Person $24,420 $30,833
2 People $24,420 $35,266
3 People $24,420 $39,650
4 People $24,600 $44,033
5 People $28,780 $47,566
6 People $32,960 $51,100
7 People $37,140 $54,633
8 People $41,320 $58,133

*Per HUD’s Income Limits effective March 2017

Aman family

In addition: 

  • First time homebuyer
  • US citizen or permanent resident
  • 2 years rental and employment history
  • Credit and Criminal Background checks – non-refundable fee
  • Live or work in Garland, Rowlett, or Sachse for at least one year (must be documented)


We will begin accepting homeowner applications on Friday, December 15th, 2017. Complete applications must be submitted to the HFHGG administrative office by 4 PM on Tuesday, January 16,2018. 

Keep up-to-date for openings by signing up to receive the monthly newsletter.

Home Buyer FAQ’s

What is expected of families waiting for their home?

  • Invest up to 300-450 hours of sweat equity (additional hours for adults 18 or older)
  • Complete all Home Buyer education requirements

What is expected after our Homeowners close on their home?

  • Make timely payments
  • Maintain the home
  • Continue to be a witness for Habitat

Do homeowners have a choice of home location?

No. Garland Habitat builds where lots are available. Homeowners do not have a choice of where in the city of Garland, Rowlett or Sachse the home is built. It is determined by the availability of lots.

What size are Habitat homes?

Our typical home is approximately 1200 square feet with 3 bedrooms, 2 bathrooms, a utility closet, living, kitchen, and dining areas. *Home size and design may vary as Garland, Rowlett and Sachse Building codes dictate.

Sweat Equity Hours: Sweat Equity is the term we use to describe the time a home buyer volunteers.

Each Garland Habitat home buyer is required to complete between 300-450 sweat equity hours before a family closes and moves into the house. Of the total hours required, up to 100 hours may be completed by friends and family.

How Do I Earn Sweat Equity Hours?equal-housing-opportunity2

  • Help build a Garland Habitat home on a scheduled build day.
  • Work in the Garland Habitat ReStore.
  • Act as an Ambassador for our program and attend community outreach events.

All sweat equity must be properly recorded and submitted to the Family Support Committee.