Apply for a Home

Take the First Step Towards Homeownership.

At Flagler Habitat for Humanity, we believe that every family deserves a safe, stable place to call home—a place where children can grow, where dreams can take root, and where hope has room to breathe. If you’ve ever wondered whether a brighter future is possible, we want you to know: it absolutely is.

Applying for a Habitat home isn’t just filling out paperwork, and there's a lot of paperwork! It’s taking a courageous step toward stability, strength, and independence. It’s choosing to believe in yourself, your family, and your future.

While our application period is currently closed, there are meaningful steps you can take right now to prepare—and to strengthen your future application.

All Habitat homeowners are required to complete a First-Time Homebuyer Course and receive credit counseling through:

Mid Florida Housing Partnership
mfhp.org
(386) 274-4441

We strongly encourage you to begin this process now. These resources will help you:

Understand the homebuying process
Improve or build your credit
Prepare financially for homeownership
Be ready to apply when our next application period opens
Strengthen your overall financial readiness for the future

Taking these steps now is a powerful way to invest in your future and show your readiness to partner with us.

Be sure to check back here and follow us on Facebook for updates when applications reopen.

Basic Eligibility Requirements

Eligibility is based in part on an applicant’s ability to partner with us as a homeowner. Once a homeowner moves in and makes consistent, on‑time mortgage payments, we are able to help more families achieve homeownership.

Our partner families:

Demonstrate a need for housing
Have lived in Flagler County for at least one year
Are not legally separated (may be single, married, divorced, or widowed)
Have sufficient household income to afford and maintain a monthly mortgage payment
Have maintained steady income or employment for at least the past six months
Can demonstrate a history of meeting financial obligations
Have not had a bankruptcy or foreclosure within the past three years
Are willing to contribute time by helping build homes—including their own—and volunteering an average of 20 hours per month
Communicate effectively with us throughout the application, education, and homebuying process

Becoming a homeowner takes time, diligence, and commitment. Your success is your own, and we will walk alongside you every step of the way. Maintaining your home also requires planning and stewardship, and we will support you in becoming a confident, independent homeowner.

Three Criteria to Become a Partner Family

Housing Need

Willingness to Partner

Ability To Pay

We consider whether your home:

Has structural or safety concerns
Is overcrowded or does not meet your family’s needs
Costs more than you can reasonably afford
And whether you currently live in and have lived in Flagler County for at least one year

Ability To Pay

Willingness to Partner

Ability To Pay

Families must demonstrate the ability to afford monthly expenses:

Showing stable employment or income history
Demonstrating a pattern of paying bills and meeting financial obligations
Being able to afford monthly payments that include mortgage, taxes, and insurance

Our team will work with you to:

Review your budget
Understand your financial picture
Help determine what is affordable for your household

Willingness to Partner

As a partner family, you agree to:

Contribute "sweat equity" hours by helping build your home and others in the community
Volunteer regularly (typically about 20 hours per month)
Complete required homeownership education
Communicate and stay engaged throughout the entire process

Income Requirements

Your household income must fall within the ranges below:

Household Size 1–4

1 person: $36,500 – $58,450
2 people: $41,700 – $66,800
3 people: $46,950 – $75,150
4 people: $52,150 – $83,450

Household Size 5–8

5 people: $56,350 – $90,150
6 people: $60,500 – $96,850
7 people: $64,700 – $103,050
8 people: $68,850 – $110,200

Larger households

9 people: $73,010 – $116,816
10 people: $77,182 – $123,491
11 people: $81,354 – $130,166
12 people: $85,526 – $136,841

Applications closed. Prepare now.

Applications closed. Prepare now.

Applications closed. Prepare now.

Applications closed. Prepare now.

Applications closed. Prepare now.

Applications closed. Prepare now.

Take the First Step Towards Homeownership.

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Para asistencia en español

Por favor complete este formulario y nos pondremos en contacto con usted.

Basic Eligibility Requirements

Three Criteria to Become a Partner Family

Housing Need

Willingness to Partner

Ability To Pay

Ability To Pay

Willingness to Partner

Ability To Pay

Willingness to Partner

Willingness to Partner

Willingness to Partner

Income Requirements