HOW TO APPLY FOR A NEW HABITAT HOME IN CUMBERLAND COUNTY TN
This page last updated on May 1 2009

All applicants will be considered without regard to race, color, religion, sex, handicap, family status or national origin.
To qualify for a Habitat Home you MUST: • Have a need for decent/safe housing • Be a Cumberland County resident for the last 12 months • Be a citizen or legal resident of the United States • Have acceptable credit and low current debts • Have a steady and regular work history or a regular means of income, such as Social Secuity or SSI • Be willing to work at least 500 "Sweat Equity" hours with help from friends and family • Be able to save $1,600 in the time it takes to build your home to pay for closing costs • Have not filed for bankruptcy nor had a home foreclosed in the last two years • Be able to pay approximately $400.00 a month on a 20 year, interest free loan • You do not qualify for a home loan with a bank or mortgage company • Income falls within HUD guidelines for your family, as listed below: 2012 INCOME GUIDELINES FOR CUMBERLAND COUNTY
FAMILY SIZE	INCOME MORE THAN	INCOME LESS THAN
1	$12,920	$19,380
2	$14,760	$22,140
3	$16,600	$24,900
4	$18,440	$27,660
5	$19,920	$29,880
6	$21,400	$32,100
7	$22,880	$34,320
8	$24,360	$36,540

If you can answer " yes" to the above questions and your income falls between the above guidelines, we want you to apply for a Habitat home.

CLICK HERE FOR A PRINTABLE APPLICATION FORM
that you can fill out and mail or fax to the Habitat office.

Phone: 931-484-4565
Fax: 931-484-4599
Email: cchabitat@frontiernet.net