Path to Homeownership

Complete and submit your initial application. If invited, attend orientation. After orientation, complete your application packet and include all required documentation. At this point in the process, you will be subjected to a background and sexual predator check.

Incomplete applications cannot be accepted.

How do I Qualify?



You will be considered for a Habitat home if your present housing is not adequate and if you are unable to obtain adequate housing through other conventional means. Lack of adequate housing may include problems with the present structure such as water, electrical or sewage service systems, heating system, or the failure to meet city property maintenance standards. Also taken into consideration are the number, the ages, and the sex of children compared to the number of bedrooms in your home.

The percentage of your monthly income that you currently spend on housing is considered when determining need. You will be required to openly and fully discuss your financial situation during this process.

Ability to Pay

Since you will be buying your home from Habitat, you must demonstrate your ability to pay the monthly mortgage payment. This payment will include not only the mortgage payment but the payment for property taxes and insurance. We will help you to determine if this payment will jeopardize your ability to meet all your other family financial obligations and expenses. We can also help you if you need to develop a budget to determine your eligibility.

Willingness To Partner

When selected, you become a partner family with Habitat. As a partner family, you must complete a minimum of 500 hours of volunteer work or sweat equity. Sweat equity includes helping with the construction of your home and the homes of others, doing things such as clearing the lot, and painting. Sweat equity may also be earned by volunteering at the ReStore. The 500 hours of sweat equity must be completed before moving into your home.

During open application periods, you can print the application using a provided link or pick one up in person.


Homeowner applications will be accepted again in August of 2023. If you have any questions, please get in touch with Cynthia Williams, Homeowner Services Manager by telephone at 850-482-2187, extension 102, or email at

Application Process

In accordance with the Fair Housing Act, Chipola Area Habitat for Humanity does not discriminate against any person in the sale, rental, advertising or financing of housing on the basis of race, sex, color, age, handicap, religion, family status, national origin, source of income, or exercise of rights under the Consumer Credit Protection Act. Additionally, in accepting and rejecting applications, Chipola Area Habitat for Humanity 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.

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