Apply for Habitat Homeownership
Are you looking for an opportunity to buy a decent, affordable home for your family? We are pleased to announce that, beginning on September 13th, we are accepting applications for our next Habitat home located at 47 Indian Avenue in Plymouth! Applicants should live or work in one of our service area towns: Plymouth, Carver, Kingston, Middleboro, Plympton or Lakeville. Continue reading below to learn about additional required qualifications before you apply.
The Application Information Packet and Form are available for download below; or can be picked up after Sept. 13th at:
- Our Habitat for Humanity ReStore, 160 N. Main St. Carver (next to Tractor Supply on Rte 58)
- The public libraries in Plymouth, Carver, Kingston, Middleboro, Plympton and Lakeville.
Information Sessions (optional):
All who are interested are encouraged to attend one of the following Information Sessions to learn more:
- Wednesday, September 27, 2023 at 7 PM at the Plymouth Public Library (Craft Room), 132 South St., Plymouth; OR
- Sunday, October 1, 2023 at 3 PM at our Habitat for Humanity ReStore & Office, 160 N. Main St., Carver
Deadline: Applications must be postmarked or received in our Habitat Office by 4 PM on November 1, 2023. No exceptions will be made. Applications can not be emailed or faxed due to financial and banking information you are required to provide.
Downloadable Application Materials
To apply, you must download BOTH of the documents below: the Application Information Packet contains very important information about eligibility, our evaluation process, and the lottery selection. The Application Form must be completed in full and dropped off or mailed to us by November 1st at 4 PM.
For application materials in Spanish or Portuguese, please contact firstname.lastname@example.org.
Who Can Apply for a Habitat home
Families who can demonstrate a severe housing need, whose income is within Habitat guidelines and who are financially qualified are encouraged to apply to purchase a home. At least one adult in the family should live or work in one of the six towns in which we build: Plymouth, Carver, Kingston, Middleboro, Plympton or Lakeville. Families will be chosen without respect to age, sex, sexual preference, disability, race, religion, or national origin.
Our primary qualifications include:
The Ability to Pay – You must meet income guidelines. Habitat serves families whose incomes do not exceed 60% of the Area Median Income (AMI). You must demonstrate your ability to pay for an affordable mortgage (through our local partner bank), property tax and insurance. The Department of Housing and Urban Development (HUD) sets the AMI figures based on family size, which are as follows for 2023:
- 1 person: $62,340
- 2 people: $71,280
- 3 people: $80,160
- 4 people: $89,040
- 5 people: $96,180
- 6 people: $103,320
Willingness to Partner with Habitat for Humanity – Each family member over the age of 18 who will be living in the house is required to contribute 250 “sweat equity” hours toward the completion of the home. These hours can be accumulated by working alongside volunteers on construction, landscaping, site clean up, fundraising, and many other tasks. No construction skills are necessary. Construction work takes place on Saturdays and select weekdays, to be determined.
Housing Need – Applicants need to provide a description of significant need for adequate shelter and affordable housing, which may include one or more of the following:
- Overcrowding – less than 170 square feet of space per person
- High rent – 40% or more of gross family income is spent on housing costs
- Problems with the building – structural defects, water damage, pests, mold, insulation, wiring, lead, asbestos, unsafe neighborhood, lack of egress and storage, need for handicap accessibility
- Number of bedrooms inadequate – dependent on age, number, and gender of persons in household
- Issues with Landlord – inadequate landlord maintenance
- General family housing situations – leasing, tenants at will, renting with subsidy, eviction likely, living with friends or parents, family split up due to lack of housing, homelessness
- Cost burdened -- if you are currently paying more than 30% of your household income on housing costs
How it Works
A selected family, after completing the required “sweat equity” in the construction of their home, will purchase the home at cost and receive 30 year in duration, zero-equivalent interest financing by Habitat for Humanity or our partner bank. The homeowners will also be responsible for paying for property taxes, insurance, and all home maintenance/upkeep. Habitat for Humanity of Greater Plymouth works with a local partner bank to service the mortgages, allowing us to finance future home construction or renovations for other families with housing needs in our service area.
An Equal Opportunity Housing Lender
Habitat for Humanity of Greater Plymouth does not discriminate in the selection of applicants on the basis of race, color, national origin, disability, age, ancestry, children, familial status, genetic information, marital status, public assistance recipiency, religion, sex, sexual orientation, gender identity, veteran/military status, or any other basis prohibited by law. We are a non-profit organization and we do business in accordance with Federal and Massachusetts Fair Housing and Lending Laws.
Additional Housing Resources
Additional community resources for those seeking affordable housing can be found by browsing the resources listed here.