• Own your own home.

    Homeownership

Homeownership

Asheville Area Habitat builds affordable, energy-efficient 2, 3 and 4-bedroom houses and townhomes and then sells them to qualifying buyers who repay an affordable mortgage. 

Are you 55+ years old and interested in buying a Habitat home?

Please visit our page about Aging in Place, Habitat’s new affordable homeownership program specifically for aging adults (55+).

Qualifications for Homeownership

Residency:

  • Must have lived and/or worked in Buncombe County for a minimum of 12 months prior to application.
  • Applicants must be legal U.S. residents.

Need:

  • Living in overcrowded housing.
  • Living in substandard housing.
  • Paying more than 30% of gross income on rent.
  • Living in temporary, subsidized, or public housing.

Willingness to Partner

  • Each applicant who will be listed on the deed must be willing to perform 200 hours of Sweat Equity.
  • Applicants must be willing to complete a Homebuyer Education program.
  • Appropriate accommodations can be made for families with physical limitations in accordance with the Americans with Disabilities Act (ADA).

Homeownership Qualifications continued

Ability to Pay

  • Rental History: must have paid rent on-time for 12 months prior to applying.
  • Delinquent Debt: No more than $1,500 in total balances at the time of application.
  • Medical Collections less than three years old: No more than $2,500.
  • Revolving Debt (ie: credit card debt): No more than $2,500 in total balances at the time of application, excluding student loan or automobile loan debt.
  • Bankruptcy: Must wait two years after being discharged.
  • Income: must be stable and fall between 40% – 80% of Housing and Urban Development’s (HUD) Area Median Income. See chart below.

Note: You cannot qualify for Habitat homeownership if you own a home at the time of application.

Homeownership Income Guidelines Cmyk

Tour a Habitat Townhome

Thank you to Preferred Properties for generously donating this 3D house tour!

How to Get Started

While we are not accepting applications at this time, we hope to begin accepting applications in the coming months. If you are interested in applying, you must register for our Virtual Information Session. By registering you will be added to our Notification list, and as lots become available, you will be invited to apply. *Viewing the information session is not a requirement for eligibility, however, you must register to be added to the Notification List.  If you do not want to be added to the Notification List, simply write Do Not Notify on the registration page.

Send additional questions to apply@ashevillehabitat.org. This email is for questions only.

Information Sessions

Information sessions are now available for viewing online at anytime!

Online Homeownership Information Session

**Due the overwhelming response to our affordable homeownership program, we have temporarily suspended our open application period. When we are able to accept applications again, we will make an announcement on our website. In the meantime, we encourage you to watch our online information session to prepare for the next open application period.** Want to learn more about becoming a homeowner? Fill out the form below and you will be given access to our online Homeownership Information Session. This will further explain the qualifications and application process.
  • Name
  • Address
  • Date Format: MM slash DD slash YYYY

In accepting and rejecting applications, Asheville 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.