Home Ownership

We empower through shelter. West Orange Habitat makes simple housing affordable for those who may not be able to otherwise achieve homeownership. Habitat homes are:

  • Simple: Habitat houses are modestly-sized. They are large enough for the homeowner family's needs, but small enough to keep construction and maintenance costs to a minimum

  • Decent: Habitat for Humanity uses quality, locally-available building materials. Habitat house designs reflect the local climate and culture.

  • Affordable: The labor of volunteers and partner families, efficient building methods, modest house sizes and no-profit loans make it affordable for low-income families to purchase Habitat houses.

  • Accessible: Habitat for Humanity’s commitment to build with people in need readily extends to those with disabilities. When possible, Habitat houses incorporate basic accessible design features, such as a zero-step entrance and wide passage doors and hallways. Houses built in partnership with families with disabilities include additional accessibility features.

In addition to homes, habitat provides homeowners with training & support to set them up for success in being a homeowner. 



You may qualify for homeownership if:

  • You have lived in West Orange County for at least the last 12 months
  • You have had the same job or source of verifiable income for at least the last 6 months
  • Your current housing is:
    • Inadequate: Lack of adequate housing may include problems with the present structure such as: water; electrical or sewage service systems; heating system; hazardous; poorly maintained (substandard); or failure to meet city property maintenance standards.
    • Overcrowded: Also taken into consideration are the make-up and size of your family compared to the number of bedrooms in your home.
    • Transitional: You are currently living with family members or a friend and you do not have your own home.
    • Government Subsidized: Housing programs such as Section 8, Low Rent Program.
    • Unaffordable: A percentage of your monthly income that you currently spend on housing is considered to determine need ("more than 40% of my monthly income goes towards rent").

Also, if you are unable to obtain adequate housing through other conventional means.


Ability to REPAY a no interest mortgage

You and your family will be considered if your total income is between 25% and 80% of the area median income for Orange County as set by the United States Department of Housing and Urban Development (HUD). This income is based on family size and is represented in the chart below. This income is based on family size and is updated annually. For 2016, the allowable range of total income is represented in the chart below:

  • Family of 2: $11,700 - $28,080
  • Family of 3: $13,175 - $31,620
  • Family of 4: $14,625 - $35,100
  • Family of 5: $15,800 - $37,920
  • Family of 6: $16,975 - $40,740
  • Family of 7: $18,150 - $43,560

You must also be able to demonstrate credit-worthiness in accordance with Habitat requirements.


Willingness to Partner

If you are approved by West Orange Habitat for Humanity as a prospective homeowner you must

  • Be willing to live in home provided by West Orange Habitat for Humanity and pay affordable mortgage. 
  • Be willing and able to contribute 300 "sweat equity" hours to West Orange Habitat for Humanity
  • Complete Homeowner Education Workshops provided by Habitat for Humanity.


If you are interested in becoming a homeowner, please 

Name *
Homeowner Info