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Affordable Home Ownership

Home Ownership Program & Resources

Since 2006 Habitat for Humanity of Wicomico County has developed and sold newly constructed and rehabilitated homes to qualified families and individuals who live or work in Wicomico County, Maryland and earn between 30% and 80% of the area median income as determined by the US Department of Housing and Urban Development.

Program Overview

Unlock the Door to Your Future with Our Homeownership Program

At Habitat for Humanity of Wicomico County, we’re not just building houses—we’re crafting homes and futures for families dreaming of homeownership. With the support of our community, we offer a path to affordable home ownership that goes beyond bricks and mortar.

Habitat for Humanity of Wicomico County homebuyers purchase homes with affordable mortgages structured to stabilize housing prices in the areas, and they pay taxes and insurance on the full value of their homes.

How It Works.

Our program harnesses donations, volunteer efforts, and a commitment to partnership with families ready to put in the work for their future home. Approved applicants embark on a journey filled with financial education, hands-on building experience, and the fulfillment of 'sweat equity'—all leading to a home sold at no profit, financed with affordable terms.

Who We Serve.

We're dedicated to assisting families living in substandard or costly housing situations, striving to make the dream of homeownership accessible to those in Wicomico County. Our selection criteria focus on need, the ability to pay, and a willingness to partner with Habitat in a meaningful way.

Get Started.

Ready to lay the foundation for your family's future? Learn more about our application process, including homeowner information sessions and the steps to apply. Our doors are open to anyone aspiring to improve their living situation and willing to join hands with us in this transformative journey.

Steps to Apply for a Habitat Home

Steps to Apply for a Habitat Home

Embark on Your Journey to Homeownership.

Owning a home is a dream for many, and Habitat for Humanity of Wicomico County is here to make that dream possible for families in need of affordable housing. Follow these steps to start your path towards owning a home with Habitat.

Step One

Attend a Homeowner Information Session

The first step of the Habitat of Humanity of Wicomico County Home Ownership Program is to attend one of our upcoming information sessions.

Choose an upcoming information session by clicking one of the dates on this page under Upcoming Information Sessions.

Join us to learn more about this program, credit and financial criteria and get answers to some frequently asked questions.

Homeowner Information sessions are held on the 1st Tuesday and the last Thursday of every month at 5:30PM and lasts approximately 1 hour.

Upcoming Information Sessions

Step Two

Application & Documentation

The second step is to gather your documentation and to complete the online application.

We provide affordable homeownership to families that otherwise would not qualify for a conventional mortgage due to their income. Anybody is welcome to obtain an application.

  1. Complete the Online Application: Obtain the Homeownership Application from our website or our office. Fill it out completely.
  2. Gather Required Documents: Collect all necessary income and debt verification documents listed on the checklist.
  3. Schedule an Appointment: Once you have all your documents, call our office to set up a meeting with a family selection representative.

Step Three

Submit Application & Schedule Meeting

Submit Your Application: Bring your completed application and all required documents to your appointment. Note: There is a non-refundable credit report fee of $23.87 per applicant due at this time, payable by check or money order only.

Once you have submitted the application you will be contacted within 1 week of submission to schedule your appointment.

Here's what to bring with you to your scheduled appointment:

Here's what to bring with you to your scheduled appointment:​

  • Social Security card
  • Current Driver’s license or ID Card
    • Proof of homeownership – Copy of EACH;
      Most recent mortgage statement
    • Current property tax statements
      Copy of the Deed
  • Proof of homeowner’s insurance (declaration page)
  • Proof of flood insurance, if applicable
  • Last two (2) years of tax returns. (if you did not filed taxes for income reasons, we will provide a waiver for you to sign)
  • Last two (2) years Social Security 1099 statements for applicants receiving social security and/or Disability.
  • Proof of income for ALL members of your household over 18 years of age:
    • Last two (2) pay stubs for Applicant, Co-Applicant, or any other household member over 18
  • Last two (2) most recent bank statements. (Must include ALL pages even if blank).
  • Documents showing the amounts for each household member who receives:
    • __Alimony
    • __Child Support (if used as a source of income on your application)
  • Documents showing proof of monthly amounts received for the following:
    • __AFDC/TANF
    • __Food Stamps
    • __Proof of any other income
  • Proof of assets:
    • Last two (2) months of bank statements including checking and/or savings accounts
    • Other
  • One time credit report fee (non-refundable)
    • $39.69 for each applicant paid by check or money order. We are unable to accept credit or debit card payments at this time. Cash will not be accepted.

NOTE: If your check is returned to us for insufficient funds, your application will be denied.

The Selection Process

The Selection Process

Habitat for Humanity does not discriminate based on race, sex, color, age, handicap, religion, marital status, or income source. We’re dedicated to providing affordable housing solutions to those who are willing to partner with us in building a better future.

After submission, your application and documents will be reviewed by our Family Selection Committee. This process includes a credit check and background check for adults 18 and older.

Moving Forward to Next Steps

  • Approval: If approved, a home visit will be requested and you will be required to attend Financial Fitness Classes and a First Time Homebuyer’s class.
  • Home Visit: If your application passes the initial review, a home visit will be arranged. The home visit consists of a tour of your current home and an interview of your family by two members of the selection committee. The purpose of the home visit is to discuss the Habitat housing program in further detail and gain further information on your family’s current living conditions. All heads of the household must participate and the entire family should be present.
  • Full FBI Background Check for All Household Members 18 and Older: After your home visit each member of the home 18 years and older will be required to sign a consent for background check. Habitat will reimburse $20 for each background check completed. Your application then is reviewed by the entire Family Selection Committee. The committee reviews information submitted on the application form, financial documents and information obtained at the home visit to determine whether your application meets the program guidelines.
    • If approved, your application is forwarded to the Habitat Board of Directors for a final review and approval.

    • If the committee does not approve your application, you will be notified in writing with the reason for the adverse action.

  • Sweat Equity: Approved homeowners must also complete 300 hours (200 hours for single-parent families) of Sweat Equity towards the building of their home or others.
Qualifying for this program

Residency Verification Requirements

Residency Verification

All applicants must provide documentation of residency and eligibility to work in the U.S.

One of the following documents will be accepted as proof of residency and eligibility:

  • Current State Issued ID or US Passport
  • Permanent Resident Card (also known as a Geen Card)

If one of the above cannot be furnished, one document from each of these categories will be required.

Category 1

  • Driver’s License
  • Federal, State, or Local Government ID Card
  • Voter’s Registration Card
  • School ID card with a photograph
  • Native American tribal document
  • U.S. Military identification card/ Military Dependents ID card
  • U.S. Coast Guard Merchant Mariner Card
  • Canadian Driver’s License

Category 2

  • Social Security Card
  • U.S. Birth Certificate
  • Certification of Birth Abroad (Form FS-545)
  • US Citizen ID Card (Form I-197)
  • Resident Citizen ID Card (Form I-179)
  • Unexpired Employment Authorization by Dept. of Homeland Security
  • Native American tribal document
  • Certification of Report of Birth (Form DS-1350)

Income Eligibility

Income Eligibility

Income Guidelines for this Program

All family members’ income is included in the calculation of a family’s total gross income. Income from all wages, SSI, SSDI, housing assistance, retirement, alimony, VA benefits, child support, etc are included.

The minimum total household gross income is $35,000/year.

# of People in Household
Minimum*
Maximum*
1
$17,910
$35,820
2
$20,460
$40,920
3
$23,010
$46,020
4
$25,560
$51,120
5
$27,630
$55,260
6
$29,670
$59,340
7
$31,710
$63,420
8
$33,750
$67,500

*Income levels are set annually by US Department of Housing & Urban Development and are 30-60% of the median income. (Note: Minimum income limits have been adjusted to reflect the income required to afford the mortgage payment for the house size required for the family size.) In some cases, income up to 80% of the median income is acceptable.

*FY 2020 income limits summary–HUD

Ability to Pay

Ability to Pay

Determining the ability to pay is based on the analysis of application materials, including pay stubs, benefit statements, tax returns, and credit reports. Applicants need a steady income and must demonstrate financial responsibility, including the ability to afford monthly housing payments and utilities within specific income percentages. They should not have filed for bankruptcy in the last two years or have unresolved debts that could impact the completion of the home build.

Applicants Must Have:

  • a steady, reliable source of income and demonstrate financial responsibility.
  • the ability to pay a monthly house payment at approximately 30% of gross monthly income (taxes and insurance included).
  • the ability to pay projected monthly utilities (electric/gas & water/sewer).
  • NOT filed for bankruptcy within the past 2 years.
  • NO outstanding collections, liens or judgments that cannot reasonably be paid by the completion of the home build.

Some helpful questions to ask yourself to see if you are qualified:

  • Do you have a minimum household gross income of $35,000?
  • Have you had a stable job or source of income for the previous 12 months?
  • Have you paid your rent on-time for the previous 12 months?
  • Do you have workable credit? Few credit problems, no major outstanding debts, with no unpaid/outstanding judgments or liens.

Willingness to Partner

Willingness to Partner

A Partner Family Must Be Willing to Complete "Sweat-Equity" Hours.

“Sweat-equity” is when a partner family takes part in building their own home and other Habitat homes and may include activities such as clearing the lot, painting, helping with construction, working in the Habitat office, or other approved activities.

"Sweat-Equity" Requirements for a Partner Family:

  • A two-adult household is required to perform a minimum of 300 hours.
    A single-adult family is required to complete 200 hours.
  • A portion of the sweat equity hours can be completed by family and friends.
  • All of the hours must be completed before the partner family can purchase the home.

In addition, the partner family must also be willing to complete financial education class requirements and a first time homebuyer education class.

Meet the Families & Hear How these Programs Transformed their Lives

Every home has a story, and every story is a cornerstone of our community. Discover the heartwarming journeys of families whose lives have been transformed through Habitat for Humanity’s home building and repairing efforts.

Program Gallery

Collaborators & Supporter of these Programs

Through your support and collaboration, our mission is possible.

Collaborators & Supporters​

Through your investment and collaboration, our mission is possible.

Alexandra Frey

Alfred and Ruth Beattie

American Bail Services, LLC

Andrea Wisner

Ani Mathers

Anne Morris

Anonymous Donor

Apostle Expert Exteriors

Avery Hall Insurance

AWB Engineers

Bagel bakery Cafe

Becker Morgan Group

Benita Harris

Beshara Helou

Beth and John Sharpley

Brenden Frederick

Caliber Collision

Cape Auto Performance

CFS Retirement & Tax Solutions

Chris Eccleston

Christ United Methodist Church

Christopher Miles

Cindy and Robert Tardiff

Coastal Life Reality Group

Darcy Bunting

David Sciortino

Dawit Demissie

Delaware Elevator

Dennis Rice

Discount Carpet Pro Floor Systems Rolo Inc.

Don Bailey

Elizabeth and Garrett Layton

Elizabeth Wootten

Galaxy Gymnastics LLC.

Gillis Gilkerson Inc.

GiveSendGo, LLC

Global Home

Goosehead Insurance

Gregory and Kimberly Ferrier

Haley Brow

Hamilton Morgan

Hank Yuloff

High Tech Inspections

Jackie and Joe Gast

Jacob and Amy Bechard

James and Jan Perdue

James Cockey

Jeffrey and Leslie Michalik

Jeffrey and Patricia Vivalo

Jennifer Lefebvre