Homeownership | Nassau Habitat for Humanity

A Home of Your Own

Build strength, stability, and self-sufficiency

Our homeownership program empowers working individuals and families to buy their own homes with affordable mortgages. Through our recent merger with Habitat for Humanity of Jacksonville, we will be able to serve even more Nassau County families.

In order to be considered for partnership in the program, you must meet minimum qualifications, outlined below.

Qualifications

1) Need for Housing

You cannot currently own a home or have owned a home in the past three years.

Furthermore, ONE of the following needs to be true:

You have inadequate shelter due to problems with heating, water supply, electricity, etc.
You are living in overcrowded conditions
You are spending more than 40% of income on housing (rent + utilities)
You are residing in a drug or crime-infested and unsafe neighborhood
You are residing in Section 8 or Public Housing
Your residence is not secured by an official lease agreement

2) Willingness to Partner

Future Habitat homeowners prepare for homeownership through education courses and volunteering to help build affordable homes.

Complete required “sweat equity” activities
Accept a home built by Habitat
Work with a partnering lender
Be a good neighbor and representative of Habitat

3) Ability to Pay

Home should not be a burden. Here’s what you will need to demonstrate an ability to pay:

Meet the monthly income range for your household size
Work with lending partners to receive a pre-approval
- Meet a minimum credit score requirement of 580
- Have no more than $500 of delinquent debt (unpaid debt sent to collections)
- Have at least $2,000 in savings at the time of your application
- Have maintained full-time employment for at least 1 year or part-time employment for at least 2 years
Make a down payment of 1% of the purchase price of the home
Continue monthly mortgage payments per your lender agreement

If You Are Married

Generally, both parties must be included on the application and both meet all criteria.

Residency Requirements

Applicants must be either United States Citizens or Lawful Permanent Residents (green card holders).

Equal Opportunity

Habitat for Humanity operates within the spirit and the letter of the Equal Housing Opportunity Act – meaning we select applicants without regard to religion, race, ethnic background, family status, or disability.

Take the Eligibility Quiz

Income Requirements

Your gross income (before taxes) must fall within the range for your family/household size.

Family Size	Minimum Gross Monthly Income	Maximum Gross Monthly Income
1	$3,088	$6,820
2	$3,088	$7,780
3	$3,320	$8,760
4	$3,687	$9,730
5	$3,983	$10,510
6	$4,279	$11,290
7	$4,575	$12,070
8	$4,871	$12,850

How do I get started?

Take the Eligibility Quiz
First, review our eligibility criteria above. If you think you might qualify, you can take our Eligibility Quiz.
Attend / View an Info Session
Now available via video on-demand, our Homebuyer Information Session gives you an overview of the process and the homes we are building. We’ll send you a link to the Info Session after completing the Eligibility Quiz.
Complete an Application
After you complete our Eligibility Quiz and Information Session, you will receive a link to begin a comprehensive application for our homeownership program.

Start with the Eligibility Quiz

Nassau County Habitat for Humanity is a 501(c)(3) organization. All donations are 100% tax deductible as a charitable gift for federal income tax purposes.

In accepting and rejecting applications, N.H.F.H. must conform to all aspects of the Fair Housing Act and all Fair Housing Laws, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Privacy Act, the Americans with Disabilities Act, as well as any local applicable laws as they apply to applications for a mortgage. Read all Policies / Statements here.

Location

516 S. 10th St. Suite #115.
Fernandina Beach FL, 32034

Phone & Hours

(904) 277- 0600
Monday and Thursday 9am -4pm

A Home of Your Own