No matter who you are or where you come from, everyone deserves a decent, safe place to live. Habitat for Humanity SCNJ provides opportunities for families in need to build brighter futures for themselves and their children.
Through Habitat’s Homeownership Program, individuals who might not otherwise qualify for a traditional mortgage can still achieve the dream of owning a home.
The Homeownership Program is designed for low to moderate income families to purchase a home with an affordable mortgage. Our families work hard to create a permanent solution to their housing struggles. Each Habitat partner family must complete 250 to 400 hours of “sweat equity” to build their home and the homes of other Habitat families, work in our ReStore, and complete financial, budgeting, and credit education workshops.
Sweat equity is the non-monetary investment someone makes in the building process. It’s about doing the hard work to bring an idea to life. At Habitat for Humanity, that means you’ll likely spend some time helping build your home or another family’s home alongside volunteers and sponsors.
Sweat equity can take many forms for partner families working with Habitat:
This co-working approach informs Habitat’s emphasis on sweat equity: all of us work together so that homeowners can achieve the strength, stability, and independence they need to build a better life for themselves and for their families.
At Habitat for Humanity of South Central New Jersey we know that home ownership plays a critical role in breaking the cycle of poverty. As a Habitat homeowner, you’ll not only buy a home, but you’ll gain the stability and security that comes with it and a strong foundation for generations to come.
Not financially ready yet? You may be eligible for our Almost Home Program which offers a customized action plan to help you learn to manage your budget, pay off debt, understand credit, and save for your home purchase.
To qualify for our Affordable Homeownership Program, applicants must meet three criteria:
Family Size | Minimum (30%) | Maximum (80%) |
---|---|---|
Family Size1 Person | Minimum (30%)$19,850 | Maximum (80%)$52,950 |
Family Size2 Persons | Minimum (30%)$22,700 | Maximum (80%)$60,500 |
Family Size3 Persons | Minimum (30%)$25,550 | Maximum (80%)$68,050 |
Family Size4 Persons | Minimum (30%)$28,350 | Maximum (80%)$75,600 |
Family Size5 Persons | Minimum (30%)$31,040 | Maximum (80%)$81,650 |
Family Size6 Persons | Minimum (30%)35,580 | Maximum (80%)$87,700 |
Family Size7 Persons | Minimum (30%)$40,120 | Maximum (80%)$93,750 |
Family Size8 Persons | Minimum (30%)$44,660 | Maximum (80%)$99,800 |
Family Size | Minimum (30%) | Maximum (80%) |
---|---|---|
Family Size1 Person | Minimum (30%)$22,450 | Maximum (80%)$55,950 |
Family Size2 Persons | Minimum (30%)$25,650 | Maximum (80%)$63,950 |
Family Size3 Persons | Minimum (30%)$28,850 | Maximum (80%)$71,950 |
Family Size4 Persons | Minimum (30%)$32,050 | Maximum (80%)$79,900 |
Family Size5 Persons | Minimum (30%)$34,650 | Maximum (80%)$86,300 |
Family Size6 Persons | Minimum (30%)$37,200 | Maximum (80%)$92,700 |
Family Size7 Persons | Minimum (30%)$40,120 | Maximum (80%)$99,100 |
Family Size8 Persons | Minimum (30%)$44,660 | Maximum (80%)$105,500 |
Family Size | Minimum (30%) | Maximum (80%) |
---|---|---|
Family Size1 Person | Minimum (30%)$17,500 | Maximum (80%)$46,550 |
Family Size2 Persons | Minimum (30%)$20,000 | Maximum (80%)$53,200 |
Family Size3 Persons | Minimum (30%)$22,500 | Maximum (80%)$59,850 |
Family Size4 Persons | Minimum (30%)$26,500 | Maximum (80%)$66,500 |
Family Size5 Persons | Minimum (30%)$31,040 | Maximum (80%)$71,850 |
Family Size6 Persons | Minimum (30%)$35,580 | Maximum (80%)$77,150 |
Family Size7 Persons | Minimum (30%)$40,120 | Maximum (80%)$82,500 |
Family Size8 Persons | Minimum (30%)$44,660 | Maximum (80%)$87,800 |
Family Size | Minimum (30%) | Maximum (80%) |
---|---|---|
Family Size1 Person | Minimum (30%)$17,500 | Maximum (80%)$46,550 |
Family Size2 Persons | Minimum (30%)$20,000 | Maximum (80%)$53,200 |
Family Size3 Persons | Minimum (30%)$22,500 | Maximum (80%)$59,850 |
Family Size4 Persons | Minimum (30%)$26,500 | Maximum (80%)$66,500 |
Family Size5 Persons | Minimum (30%)$31,040 | Maximum (80%)$71,850 |
Family Size6 Persons | Minimum (30%)$35,580 | Maximum (80%)$77,150 |
Family Size7 Persons | Minimum (30%)$40,120 | Maximum (80%)$82,500 |
Family Size8 Persons | Minimum (30%)$44,660 | Maximum (80%)$87,800 |
Family Size | Minimum (30%) | Maximum (80%) |
---|---|---|
Family Size1 Person | Minimum (30%)$17,237 | Maximum (80%)$45,966 |
Family Size2 Persons | Minimum (30%)$19,700 | Maximum (80%)$52,533 |
Family Size3 Persons | Minimum (30%)$22,162 | Maximum (80%)$59,100 |
Family Size4 Persons | Minimum (30%)$24,625 | Maximum (80%)$65,666 |
Family Size5 Persons | Minimum (30%)$26,595 | Maximum (80%)$70,919 |
Family Size6 Persons | Minimum (30%)$28,565 | Maximum (80%)$76,173 |
Family Size7 Persons | Minimum (30%)$30,535 | Maximum (80%)$81,426 |
Family Size8 Persons | Minimum (30%)$32,505 | Maximum (80%)$86,679 |