Habitat for Humanity of Delaware County (HFHDC) evaluates applications for homeownership or home repairs using three criteria: need, ability to pay, and willingness to provide “sweat equity.”

First, the applicant must demonstrate need. Examples include living in an overcrowded home, paying a rent that is too high relative to the monthly income, or living in unsafe conditions.

Second, the applicant must meet current income guidelines to ensure they are able to pay a monthly loan (see 2015 guidelines below). Applicants must also demonstrate a history of good credit – bad debt (items in collections or not being paid on) must not exceed $2,500. Note: income guidelines are gross (before taxes).

Third, accepted applicants must fulfill "sweat equity" hours of volunteer work on our construction sites, working at our ReStore, and participating in required homeowner workshops.

Payment is not intended to be a cost burden for the family, but rather an indicator of their willingness to partner in the process.

Applicants who meet the above criteria may be selected for a home visit and be interviewed by members of Habitat’s Family Selection Committee. The purpose of the home visit is to learn more about a family’s current living situation in order to assess their need for housing and to answer any additional questions the family might have about Habitat. After conducting home visits, the Family Selection Committee presents its recommendations to the HFHDC Board of Trustees, which will select families who meet all of the qualifications and who have the greatest need for housing.

HFHDC will not offer assistance on the expressed or implied condition that people must (i) adhere to or convert to a particular faith or (ii) listen and respond to messaging designed to induce conversion to a particular faith.