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


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