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.
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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.
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This is FY 25 HUD Income Limits (65% median income is our current maximum). The income limit can be increased to 70% if a member of the household is special needs. These limits are subject to change. If the household if over these limits, you might qualify for another type or mortgage program available with local lenders. Please note, some grants used by our affiliate have an income limit of 50% area median income.
This is FY23 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.
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.