Upper Cumberland Habitat for Humanity builds and sells affordable homes with qualified applicants.

From the date of application to the date of closing on the home, the applicants could possibly spend a  year to eighteen months in the program.  In addition to purchasing a home with an  affordable mortgage, each applicant must first attend the educational requirements through the year, including our Home Advantage courses and Financial Peace University.  Each applicant must also contribute "sweat equity" hours building Habitat homes, building their own home, and assisting with other volunteer activities for Upper Cumberland Habitat for Humanity.

With the use of volunteer labor and an affordable mortgage payment, Habitat homes are kept affordable for the future home buyers.  Before closing, each home buyer must also pay the closing costs for their mortgage, which could be $2,000 or higher.

If you have a need for housing, ability to pay an affordable  mortgage, and be willing to partner with Habitat for Humanity, contact our offices today at 528-1711 (ext. 5).

Upper Cumberland Habitat for Humanity, Inc. is pledged to a policy of equal opportunity. All decisions regarding the provision of program services are made without regard to the race, color, sex, religion, national origin, familial status or disability of an applicant, their household members or the surrounding community. Decisions regarding awards of repair or subcontract work are made without regard to the race, color, sex, religion, national origin, familial status or disability of the owners or employees of the business. Bid opportunities for repair and subcontract work under the AIP program are being affirmatively advertised and marketed to local, female-owned and minority-owned businesses. Habitat for Humanity is an equal opportunity employer.

Do you live in poor conditions?  Are you in an overcrowded home or having to live with family?  Or are you cost-burdened and paying more than 30% of your income toward your rent?

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Habitat home buyers purchase their homes, so all applicants must have  steady and reliable income.

If you are accepted in the Habitat program, are you willing to contribute a few hundred hours of sweat equity?  These hours are volunteer hours helping build Habitat homes, working in the ReStore, and attending the required education courses.

MAXIMUM HOUSEHOLD INCOME LIMITS (as of 5/13/20)
Below is the Maximum Gross Income Allowed by the # living in the household.

Household size  1 person     2 person     3 person     4 person     5 person     6 person     7 person     8 person
PUTNAM              $25,740       $29,380      $33,085      $36,725      $39,715       $42,640       $45,565      $48,490
OVERTON            $24,960        $28,535     $32,110       $35,620     $38,480       $41,340        $44,200      $47,060

Reminder:  We are not currently accepting applications for Overton County at this time!

This is FY20 HUD Income Limits (65% of median is our current maximum). The income limit can be increased slightly to 70% if a member of the household has special needs. These limits are subject to change. If your household income is over these limits, you might qualify for another type of mortgage program available with local lenders. 

Contact Us About Homeownership

 

Neighbor 2 Neighbor is a repair program of Upper Cumberland Habitat for Humanity. This program is for senior residents of Putnam and Overton counties who need affordable repairs done to a home that they currently own and live in. The focus is on seniors, age 60 and above and focuses on accessibility improvements, mobility modifications, weatherization enhancements, and critical home repairs that are crucial to help seniors live in their own homes longer. Upper Cumberland HFH wants to make continued homeownership for seniors a reality so they can age in place with the comfort and dignity they deserve.
 
The funding for this project was provided through a grant awarded by the Davidson County Chancery Court, Part III from the SeniorTrust/ElderTrust settlement (Case No. 11-1548-III) and through a contract administered by the Tennessee Commission on Aging and Disability.

This program receives additional financial support from a variety of sources, including private donors and The Federal Home Loan Bank of Cincinnati.

Projects can include items such as:  wheelchair ramps, creating accessibility options, weatherization, and other repair projects.  Cosmetic repair, such as painting, are not included.

Neighbor 2 Neighbor Eligibility:

- Home must be located in Putnam or Overton County
- Applicant must own and occupy the home (name on title)
- ​Applicant must be age 60 or over
- Property Taxes must be current
- Household income must be below the Maximum Gross Income Allowed by the number living in the household based on the table below
- Repayment of the repair project is determined by the owner’s income level
- Each approved applicant will be required to complete sweat equity hours for the project For more information and an application, please complete this form.  Or you may call Lanette Hill, 528-1711 (ext. 5)

Household Income Limits
Household size      1              2                3              4               5
Putnam             $23,760    $27,120   $30,540   $33,900   $36,660
Overton             $23,040    $26,340   $29,640   $32,880   $35,520
FY19 HUD Income Limits (60%)

This is FY19 HUD Income Limits for Putnam and Overton Counties (60% of median is our current maximum). 

Upper Cumberland Habitat for Humanity, Inc. is pledged to a policy of equal opportunity. All decisions regarding the provision of program services are made without regard to the race, color, sex, religion, national origin, familial status or disability of an applicant, their household members or the surrounding community. Decisions regarding awards of repair or subcontract work are made without regard to the race, color, sex, religion, national origin, familial status or disability of the owners or employees of the business. Bid opportunities for repair and subcontract work under the AIP program are being affirmatively advertised and marketed to local, female-owned and minority-owned businesses. Habitat for Humanity is an equal opportunity employer.

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Special Thanks to....​