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 histor 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 • Income falls with HUD guidelines for your family as listed below • You do not qualify for a home loan with a bank or mortgage company
FAMILY SIZE	INCOME MORE THAN	INCOME LESS THAN
1	$12,670	$19,140
2	$14,560	$21,840
3	$16,400	$24,600
4	$18,200	$27,300
5	$19,680	$29,520
6	$21,120	$31,680
7	$22,600	$33,900
8	$24,040	$36,060

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