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Homeownership Application Process


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Homeownership and Applying for a Habitat House

Primary Criteria for Selection as a Habitat Partner Family

In addition to being a resident of Williams County for at least one year, there are three primary criteria for selection as a Habitat Partner Family...

Over-crowded housing; inadequate or dangerous housing; or cost-burdened housing (paying more than 30% of income for rent).

Income level that is between 30% and 60% of current HUD income guideline; proof of stable income (job or permanent disability); debt-to-income ratio no higher than 40% including projected house payment. A bankruptcy is acceptable as long as it has been more than two years since discharge and finances are under control.

Applicant must be willing to work 250 hours (per adult member) of sweat equity...toward building their own home or the home of another partner family. Habitat is a hand up, not a handout.

Income Ranges

Number in Family

Income Range
$11,718 --- $23,436
$13,392 --- $26,784
$15,060 --- $30,120
$16,740 --- $33,480
$18,000 --- $36,000
$19,419 --- $38,838
$20,757 --- $41,514
$22,098 --- $44,196

Application Process

Initial contact should be made with the Williams County Habitat office, by email or telephone or in person. Click here for contact information.

Applications are available from the Habitat office or from the Bryan Chamber of Commerce office during office hours. The applications must be filled out completely and submitted with all supporting documentation. Any additional information requested must be submitted within one week of the request or the application will be considered incomplete. Applicants are urged to be thorough and honest during the whole process.

Completed applications must be accompanied by

  • copies of the most recent income tax return (1040, 1040A, etc)
  • copies of the last three months pay stubs
  • copies of the last three months credit card statements
  • copies of the last three months utility bills
  • copy of alimony (if received)
  • copy of Social Security or disabililty benefits (if received)
  • copy of child support on all children (if received)
  • copy of any other income information
  • copy of rental agreement
  • cover letter
  • current credit report (within two weeks of application) run on the applicant and co-applicants.

A checklist of the above application items required can be downloaded and printed from here.

All applications are handled with the utmost discretion and confidentiality.

Applications must be returned in a sealed envelope directed to:

Williams County Habitat for Humanity

The Family Selection Committee

P.O. Box 366

Bryan, Ohio, 43506