Eligability

In order to qualify for our homeowner program, applicants must:

• (a) have a need for safe and decent housing
• (b) have lived or worked in our service area for at least a year
• (c) attend homeownership / financial management seminars at our offices
• (d) meet the HUD median income guidelines
• (e) have secure employment, good credit, legal residency, no felony convictions, and no more than one misdemeanor
• (f) be able to pay a down payment
• (g) demonstrate an ability to pay a mortgage on time, in full, each month
• (h) willing to partner with Old Colony Habitat for Humanity by completing the required sweat equity. The requirement is 250 hours of sweat equity hours.

 Updated HUD median income guidelines

A Habitat partnership may be the solution for your family if:

• You are able to make housing, taxes, and insurance payments.
• Your maximum household income does not exceed 80% of the area median income
• You are unable to qualify for conventional mortgage financing for a market rate home,
• You are a first-time home buyer (some exceptions may apply)
• You are a U.S. Citizen or Permanent Resident,
• Your Household meets the income and asset limits

Old Colony Habitat for Humanity does not discriminate in the selection of applicants on the basis of race, color, national origin, disability, age, ancestry, children, familial status, genetic information, marital status, public assistance recipiency, religion, sex, sexual orientation, gender identity, veteran/military status, or any other basis prohibited by law.

Old Colony Habitat for Humanity is a non-profit organization, and we do business in accordance with Federal and Massachusetts Fair Housing and Lending Laws.

Application Process

Application Availability

Currently, we do not have an application open. Our next home build is in Taunton. When the next application opens, we will post about opportunities to apply.

Income Guidelines

Gross household income can be no more than 80% Area Median Income, based on the number of people in the household. Check the HUD guide here. *Link the updated PDF*

** NOTE **  The above figures apply to 2024.  AMI figures and limits are updated yearly and are published by the U.S. Department of Housing and Development (HUD).

The Application Process Timeline

• The qualification evaluation timeframe from the date of application submittal typically takes 10-12 weeks.
• After receiving an application, Old Colony Habitat for Humanity gives 60 days to submit an application with all of the required documents. Applications are typically sent online to the applicant, but applicant prospects can also pick up a hard copy of the application at our ReStore at 9 Washington Street in Attleboro.  
• Approximately 2-3 weeks after applications are returned, the Family Selection Committee will call to arrange for a home visit to interview the applicants and to observe current living conditions. We ask prospective homeowners to make reasonable arrangements for scheduling. The Family Selection Committee will review and verify all the information on the applications. All qualified applicants are then entered into a lottery for random selection. All applicants will be notified verbally and in writing of the outcome. If families wish to apply for future Habitat homes, they must fill out an updated application.