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Apply For a Home

Thank you for your interest in becoming a Green Mountain Habitat homeowner. We believe that everyone should have a safe, affordable place to call home.

Green Mountain Habitat for Humanity provides the opportunity for low-income households to become homeowners by building safe, energy efficient and perpetually affordable homes and we sell the homes at the cost to build them. We partner with Champlain Housing Trust (CHT) to sell homes with affordable monthly housing payments to qualified households.

How to Find Out if You Qualify for a Habitat Home

Habitat homeowners must be active participants in building a better home and future for themselves and their families. Before you start the application process, please see if you meet the following 3 criteria:

1. Housing Need

Demonstrate a need for a Green Mountain Habitat for Humanity home, including one or more of the following:

  • Living in overcrowded conditions or unsafe environments
  • Living with relatives, friends or in other temporary housing
  • Having housing expenses which are more than 30% of their household income
  • Unable to qualify for conventional mortgages on a market rate house

2. Financial Eligibility and Ability to Pay a Mortgage

Habitat homeowners must earn 80% or less of the HUD median household income levels, which are adjusted by the number of people who will be living in the home. The income limits are listed in the chart below.  

Homeowners must also be able and willing to pay an affordable mortgage through a local bank or credit union.

2021 HUD Income Limits

HHI: Household Income
This information applies to all of the Burlington-South Burlington, VT MSA.

# in Household* 1 2 3 4 5 6  7
Minimum HHI $33,650
Maximum HHI (80% Median) $53,700 $61,400 $66,050 $73,350 $79,250 $85,100 $91,000

*Household means all related or unrelated persons who occupy a housing unit.

3. Willingness to Partner with Green Mountain Habitat for Humanity

Once selected, future Habitat homeowners must partner with us throughout the process. This partnership includes performing “sweat equity. A single head of household must complete 200 hours of sweat equity with at least 75 of those hours helping to build their home or the homes of others. Two heads of household must complete 400 hours of sweat equity with at least 150 of those hours at the home build site. Other sweat equity hours may be working at the Habitat ReStores, completing financial training, home ownership training and meetings with Habitat staff.

One of our Green Mountain Habitat families, moving into their new home.
One of our Green Mountain Habitat families, enjoying their new home in Milton, VT.
One of our Green Mountain Habitat families, enjoying their new home.

Next Steps

If you feel you meet the above criteria and want to apply, here’s what you do next.

  1. STEP ONE: Contact Champlain Housing Trust (CHT) to begin the financial eligibility application process and complete Homebuyer Education by going to their website at www.getahome.org/habitat/.
  2. STEP TWO: CHT will contact GMHfH if you are financially eligible to purchase a home.
  3. STEP THREE: A member of the GMHfH Family Selection Committee will contact you to submit a GMHfH Application. The Committee will review all applications and will determine who the next homeowners will be. All applicants will be notified if they are approved or not.

 

Thank you for your interest in Green Mountain Habitat for Humanity’s homeownership program. Habitat follows a nondiscriminatory policy of homebuyer selection.

Green Mountain Habitat for Humanity is committed to providing equal housing opportunity.