Habitat for Humanity provides a unique opportunity for hardworking families to help build and buy their own homes. We work with WSHFC approved lenders to provide our homebuyers with an affordable mortgage based off their income so that the monthly mortgage payment (which includes property taxes, interest, association dues, homeowner’s insurance and association fees, if applicable) is no more than 30% of the homeowner’s total monthly income at the time of sale. 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 206.855.5193. TTY relay services are available by dialing 711.

How to Apply

Homeownership Program

Overview: Applying to our homeownership program will take time. It can take 3-4 months to complete the application process. Additionally, after you are approved into the program, it can take roughly another 6-12 months before you can move into your home. This is due to a number of factors including the time it takes to complete the 250 hours of sweat equity and the time it takes to complete construction. Below we outline the different phases of the application process.

Step 1 – Information Meeting: Register for an information meeting. This meeting is required for all applicants. At this meeting, you will learn about the homeownership program. To learn about when our upcoming information meetings are, sign up for the mailing list below.

Step 2 – Complete Your Application: Once you submit the full online application complete with all supporting documents, it will be reviewed to determine if you are initially qualified. If you pass the initial review, your file will be sent through underwriting. If you do not pass the review, you will receive a letter in the mail explaining why.

Step 3 – Underwriting: Applications that have passed the initial review are sent through underwriting to establish your affordability. If you pass this phase, you will be invited to a homebuyer interview. If you do not pass underwriting, you will receive a letter in the mail explaining why.

Step 4 – Homebuyer Interview: The homebuyer interview is given by 2-3 Habitat volunteers. We ask that you bring everyone who will be living in the home if possible. The interview is meant to get to know our applicants better and make sure they understand the program. It is also a chance for the applicants to ask questions about the program. After the interview, we will go over your affordability documents that you will take with you to a lender to get pre-qualified for a mortgage.

Step 5 – Pre-Qualification: Habitat for Humanity Seattle-King County is not a lending service; you will have to find your own lender. You will be asked to get pre-qualified for a mortgage from a Washington State Housing Finance Commission approved lender.

Step 6 – Family Selection Committee Approval: Once you are pre-qualified from a lender, your application will go to our Family Selection Committee for approval. If you are approved, your application will go to our Senior Leadership Team for final approval.

Step 7 – Final Approval: Once your file is approved by our Family Selection Committee, your application will go to our Senior Leadership Team for final approval. If you are approved, you will be notified by your interviewers from Step 4 that you have been welcomed into the program.

Habitat for Humanity Seattle-King County’s information meetings through the end of 2018 have all been postponed. We apologize for any inconvenience and will begin scheduling additional meetings in the Spring of 2019. If you are interested in receiving updates about future available communities and information meetings, sign up for the mailing list below. Email notifications will be sent to those on this list when information meetings are scheduled.

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.

Applicants must have a minimum credit score of at least 620 for new construction homes, 640 for existing homes, and their credit report must be clear of liens and judgments. Any bankruptcies must be discharged at least 4 years ago.

2018 Income Guidelines

Family Size  Minimum Income Maximum Income Allowed 
1  $30,000 $44,940
2  $31,000 $51,360
3  $32,000 $57,780
4  $32,100 $64,200
5  $34,680 $69,360
6  $37,260 $74,520
7  $39,810 $79,620
8  $42,390 $84,780


Applicant must live or work in King County.

Applicant must be a permanent legal resident of the United States at the time of application.

Willingness to Partner

Sweat Equity: An applicant must be willing to complete 250 hours of sweat equity per household. Sweat Equity is Habitat’s term for the labor that Habitat homeowners put into building their houses and the houses of their neighbors.

Households are required to complete at least 250 hours of sweat equity. They can complete their hours on our construction sites, in our stores, through homeowner education classes, or by working in our office. We can accommodate individuals with disabilities on a case by case basis.

Home ownership



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>>

Veteran's Homeownership


If you or someone you know is a veteran and is interested in learning more about our homeownership program, register below to attend our next information meeting. Learn more>>

Education & Resources

Home owner

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>>

Meet Habitat Homeowners

Habitat home

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>>