Becoming a Habitat Homeowner
Thank you for your interest in learning more about becoming a Newnan-Coweta Habitat homebuyer. Please take a few minutes to review the steps below to determine if Habitat homeownership is the right fit for you and/or your family. At this point in time, NCHFH is no longer accepting applicants for homeownership. If you would like to be notified about future opportunities, please complete the contact form at the bottom of this web page.
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Step 1: Applicant Basic Requirements
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Attend an Orientation Session
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You MUST have been a resident of Coweta County for the last year OR you MUST have worked in Coweta County for the last year (working from home or contract work does not qualify) If not, please contact your local Habitat in your county
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Employment eligibility verification (I9) required
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Must not have owned a home in the past three years
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Must meet HUD income guidelines (see table below)
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Expect verification of employment for at least the last two years - (Predictable sources of income include: wages, social security, disability, and child support)​
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If self-employed, you must be able to provide 2 full years of self-employment tax returns​
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Willingness and ability to pay monthly debt obligations with no more than 43% total debt to gross monthly income
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Must not have any unpaid collections, medical or otherwise
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Be in good standing with creditors - Your credit score and credit history will be evaluated from Equifax, Experian, and TransUnion​
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Step 2: Do you and/or your family meet the 2024 HUD Income Limits?
Gross Annual Income Guidelines
Monthly Income Guidelines
HUD Equal Housing Statement: “We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.”