Habitat for Humanity provides a unique opportunity for hardworking families to buy and help build their own homes. Habitat works with WSHFC approved lenders to provide our homebuyers with an affordable mortgage which sets their initial housing costs at no more than 30% of their gross income. (Housing costs include property taxes, interest, association dues and homeowner’s insurance). If the homebuyer cannot afford to pay the full price of the home, Habitat for Humanity helps the homebuyer find Down Payment Assistance and provides subsidy financing for the remaining amount.

Habitat for Humanity Seattle-King County does not discriminate because of race, color, religion, sex, handicap, familial status, sexual orientation, age, gender identity, or national origin.

If you are an applicant with a disability and need accommodations to access any of our services, please contact the Homeowner Services Department at 206.866.7618

How to Apply

Homeownership Program

Habitat for Humanity Seattle-King County is a community-based low income housing developer.  Habitat builds and renovates houses affordably, using experienced staff and volunteers. Habitat for Humanity Seattle-King County’s housing programs are designed to serve potential homebuyers who meet specific eligibility criteria.

For Telecommunications Relay Service (TRS) please dial 711.

Family Selection Criteria

Habitat for Humanity of Seattle-King County believes and insists on nondiscriminatory family selection criteria for all homeowner applicants.  Homebuyers applying to Habitat for Humanity of Seattle-King County must meet the following criteria:

Demonstrate a need for adequate and affordable housing:

Applicant must be a first time homebuyer.

ONE of the following must be TRUE:

1. The applicant is “cost burdened” (defined as spending more than 30% of their gross income for housing).

2. The applicant is living in overcrowded, run-down, defective, or unsafe housing.

3. The applicant is living in subsidized housing or a temporary housing situation (ex: Section 8).

Demonstrate ability to pay:

An applicant’s gross income must be less than 60% of King County’s median income based on family size (50% for some areas). The average monthly payment for a Habitat for Humanity house is $900 – $1300.

Monthly backend debt (including card or credit card payments) must be no more than 43% of an applicant’s monthly income.

Any bankruptcies must be discharged at least 4 years ago and all liens, collections or judgments must be satisfied before purchasing a Habitat home. No late payments within last 6 months.

2016 Income Guidelines

Family Size Maximum Income Allowed 
1 $33,600
2 $38,400
3 $43,200
4 $48,000
5 $51,850
6 $55,700
7 $59,550
8 $63,400

Homeowner Info Meeting

(qualify below to RSVP and receive location details)

Thursday, April 13 at 6pm

Saturday, April 29th at 10:30am

Thursday, May 18th at 6:30pm

Saturday, May 27th at 10:30am

Veteran Homeowner Info Meeting

Wednesday, April 26th at 6:45pm

Wednesday, May 24th at 6pm

Algona Pacific Library


New homes started in 2016


New homes sold in 2016


Homes renovated in 2016


Number of families served in 2016


group meeting construction

Before making a phone call or sending an e-mail, take a look at some of the common questions people have about our homeownership program. Learn more>>

Meet Habitat Homeowners

neighborhood revitalization

Habitat has housed hundreds of families over our 30 year history in Seattle–King County. Read some of our homeowner stories and see pictures of completed homes around the area. Learn more>>

Education & Resources

matos family homeowner

Whether you’re a Habitat homeowner, home repair applicant, or a member of the community looking for help, we’re here for you. Click through for local housing and family resources. Learn more>>

Home Repair Program


The Home Repair Program helps low-income homeowners restore and maintain their homes. Habitat will partner with homeowners to alleviate critical health and safety issues and complete needed home improvement projects. Learn more>>