Home / Homeowner Information

Before applying for a home, please read these pre-qualification requirements.

1.  Have you been living in St. Charles County and have you lived here consistently for at least one year?
Habitat of St. Charles County serves its current residents, and other Habitat affiliates serve the residents in their counties.  You must be a resident of St. Charles County and have lived here for the 12 months immediately prior to the application.

2.  Do you have a steady source of income? 
As a homebuyer, it is important that you have a stable income history. Applicants must be employed with their current employer or in a similar industry for 6-9 months, or have another steady source of income.

3.  Have you established good credit over the past two to three years?
As part of the evaluation process, a credit check will be made on your past payment history. Obtain a FREE copy of your credit report at www.annualcreditreport.com. You will need to provide Habitat with a copy of a recent (within the past 3 months) credit report with your application.

4.  Have you ever filed for bankruptcy? 
Filing for Bankruptcy does not disqualify you from the Habitat program, but we require that the bankruptcy be fully discharged by the court for a minimum of 2 years at the time of application.

5. Does your total gross household income from all sources and from ALL wage earners over the age of 18 living with you, fall at or below 60% of the Area Median Income (AMI) based on your family size. See chart below:


Family of 1 $29,580
Family of 2 $33,780
Family of 3 $37,980
Family of 4 $42,180
Family of 5 $45,600
Family of 6 $48,960
Family of 7 $52,320
Family of 8 $55,680


6. Do you have a need for safe, decent and affordable housing?
Because Habitat’s goal is to eliminate substandard housing, this could include being structurally unsound, overcrowded, having inadequate plumbing, heating, roofing, etc. or having no home at all. As part of the application process, a visit to your current home will be made to assess need. Using HUD guidelines, we will evaluate problems with your current housing.

If your housing is not substandard, but is unaffordable and cost burdening to you, you may also qualify.

7.  Are you willing to work the required 350 hours in the process of building your home, including assisting with construction, required workshops, classes and other Habitat programs, over the next 6-12 months?
If you believe that you meet these guidelines, send Habitat your contact information so they can let you know when applications are accepted and of upcoming homeownership trainings.


To receive updates on the next Homeowner Information meeting and financial training classes, submit the form below.
  • Please list any specific questions or comments you have about the qualifications or homeownership program in general.

Our Applications:

Homeowner Application 2015-2016

Homeowner Application 2015-2016 (Spanish)

Applications are available now, but are not accepted at this time.

Non-proselytizing policy
Habitat for Humanity International and its affiliated organizations will not proselytize. Nor will HFH work with entities or individuals who insist on proselytizing as part of their work with HFH. This means that HFH will not offer assistance on the expressed or implied condition that people must adhere to or convert to a particular faith or listen and respond to messaging designed to induce conversion to a particular faith.