Apply Online Now!

Wondering if you qualify? Please see the income chart and criteria below.

Please Note: If your income level is higher than the chart above, we are excited to offer a new pathway for homeownership in Jefferson County. The Habitat Extended Program supports households earning between 80% and 150% of area median income, a group that is often locked out of traditional mortgages and priced out of the local housing market.

To learn more, visit the Habitat Extended Program webpage.

Homebuyer Orientation

Our application process typically begins with an orientation that covers general information about our program and provides answers to some of your questions. See details below and select the option most preferable to you.

  • A self-paced video orientation can be accessed below
  • In person orientations are held the second Tuesday of the month at 3 PM in our office
  • In person orientations can be scheduled at a time more convenient for you; simply click here
  • Zoom orientations are held the third week of the month, Mondays at 2 PM or Wednesdays at 6 PM. Click one of the orange buttons below to sign up.

None of these options work for you? Email us to set up an orientation.

Mondays from 2pm to 3pm
wednesdays from 6pm to 7pm

Quicklinks

Program Application

We are currently taking applications for Landes Terrace in Port Townsend
and the Mason Street Neighborhood in Port Hadlock.

Ready to apply? Click the green button to Apply Now or download an application below.

Apply now!
¡Aplica ahora!

Click here to download our Application packet.
Haga clic aquí para descargar nuestro paquete de solicitud en español.

Click here to download our orientation packet.

Program Criteria

The four criteria for building a house with Habitat are:
Need
  • Habitat homebuyers are people in need of decent, affordable housing who are unable to resolve their housing issues on their own. Their needs may include living in substandard conditions, including unsafe or unhealthy environments, lack of utilities, unaffordable cost, overcrowding, or temporary housing.
Ability to Repay a Mortgage
  • As a participant, you will buy a house from Habitat that you help build. You will repay a low cost mortgage not exceeding approximately 1/3 of your monthly income.
Willingness to Partner
  • Homeowners invest 200 to 300 hours of sweat equity labor in building their own house. In addition, required monthly homeowner classes prepare families for the responsibilities of homeownership.
Residency
  • Program participants should live or work in East Jefferson County at the time of application.

FAQ

How much do the homes cost?

Home prices vary depending on factors like size and location. Generally, they begin in the mid $200,000s range.

What does Habitat Homeownership cost monthly?

What if I need accommodations?

We’ll work with you! We offer accommodations so that everyone who is willing can participate in our programs, for example:

  • Translation services
  • Sweat equity adapted for disabilities
  • Homebuyer education available for hearing or vision impaired
  • Home modifications based on disability related needs
  • Assistance completing paperwork
  • Additional accommodations available. Just ask!
What income do I need to qualify?

We review your entire financial picture, including your income, credit history and total debt, to determine if you qualify for a mortgage to purchase one of our houses. The best way to find out if you qualify is to apply so that our Homeowner Services team can review your unique financial situation with you. We take a lot of factors into account; you might be surprised you qualify.

What happens if I don’t qualify for a Habitat program?

Our Homeowner Services team will be transparent with you as to why you did not qualify and will work with you to help you qualify in the future!