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Affordable Homeownership Program

Habitat for Humanity of Burlington County and Greater Trenton-Princeton works in partnership with people from all walks of life to build homes, communities and hope. We sell homes to low- moderate income families and offer 0% interest loans with no down payment required. Habitat homeowners make monthly mortgage payments that don’t exceed 30% of their gross monthly income.

Habitat homeowners work hard to create a permanent solution to their housing struggles. Each Habitat partner family must complete 250 to 400 hours of “sweat equity” to build their home and the homes of other Habitat families, work in our ReStore, and attend Homeowner Education classes, meetings, and special events. Sweat equity can be done during the week, in the evenings and on the weekends.

At Habitat Burlington County & Greater Trenton-Princeton, we know that home ownership plays a critical role in breaking the cycle of poverty.

Qualifications

Qualified families must show that...

1

You have a Need for Housing.

2

You are Willing to Partner with Habitat for Humanity.

3

You are able to pay for a Habitat mortgage.

Income Guidelines for Burlington County

Family
Size

Minimum
(30%)

Maximum
(80%)

$18,950

$50,500

1 Person

2 Person

3 Person

$57,700

$21,650

4 Person

$64,900

5 Person

$34,350

$72,100

6 Person

7 Person

$77,900

$27,050

8 Person

$83,650

$30,170

$34,590

$89,450

$39,010

$43,430

$95,200

Income Guidelines for Mercer County

Family
Size

Minimum
(30%)

Maximum
(80%)

$22,250

$52,850

1 Person

2 Person

3 Person

$60,400

$25,400

4 Person

$67,950

5 Person

$28,600

$75,500

6 Person

7 Person

$81,550

$31,750

8 Person

$87,600

$34,300

$36,850

$93,650

$39,400

$43,430

$99,700

Other Qualifications

Available Homes

NEW CONSTRUCTION

10 Radnor Boulevard, Evesham NJ 08053

4 Bed, 1.5 Bath • 1 Unit Available
Application Deadline
Map View
May 31, 2019
Estimated Completion
June 2018
Apply Now*
NEW CONSTRUCTION

Parkinson Street, Hamilton NJ 08610

3 Bed, 1.5 Bath • 2 Units Available
Application Deadline
Map View
May 31, 2019
Estimated Completion
June 2020
Apply Now*
NEW CONSTRUCTION

117/119 Stokes Ave, Ewing NJ 08638

3 Bed, 1.5 Bath • 1 Unit Available
Application Deadline
Map View
May 31, 2019
Estimated Completion
June 2019
Apply Now*
We only build for the need at the time, limiting you to what properties you’re eligible for depending on family size. For example, if you are a single mother with one daughter, you would NOT be eligible for a 4-bedroom property, you would be eligible for a 2-bedroom property.

Apply Now!

Submit the application, along with an application fee of $25 per applicant, via postal mail or drop off to the offices (530 Route 38 East, Maple Shade, NJ 08052) to the attention of Taquana Wright.

To apply for any of the available properties through the Affordable Homeownership Program, print and complete an application ASAP.

Apply as soon as you can! These houses will go quickly!

Frequently Asked Questions

Can I pay the application fee online?
No, we cannot accept credit card payments for the application fee. The application fee can only be paid in the form of cash, check, or money order.
What is the minimum credit score requirement?
The minimum credit score is 550.  All applicants must demonstrate a history of consistent, on-time payments to creditors.
Can I take the financial classes even if I’m not accepted?
Yes, you may take any class we offer to the public as long as you pay the material cost. For example, one of our finance classes comes with a kit that costs us $50 to purchase. The class would cost you $50 if you take it without being accepted into the program.
If I’m not chosen, do I get put on a waiting list?
We do not have waiting lists, but you do get put on a notification list. This just means you’ll be notified when we begin accepting applications for future properties.
Can I resell the house to whomever?
No. Habitat for Humanity houses are deed-restricted, meaning there is a maximum resale value and they must be sold to those who are low-moderate income.
Do I list someone on the application even though they are not a co-applicant?
Yes, all people who will be living in the home MUST be listed on the application. If they are 18 years of age or older, their income (earned and unearned) must be listed. If they are under 18 years of age but receive unearned income, that income has to be listed as well.
Can I do sweat equity hours before I’m approved and will they carry over?
You are welcome to volunteer with us before you’re approved but the hours you volunteer will NOT carry over. Your sweat equity hours will begin at zero.
If 15 people apply for one property, how do you choose who gets approved?
Individuals and families are chosen based on who best meets 3 criteria: need for housing, ability to repay the mortgage, and willingness to partner. If multiple applicants meet these 3 criteria equally, the applicant(s) chosen will be drawn from a lottery.
How much of a down payment do I need?
No down payment is required. There is, however, an amount needed to save for closing costs. This amount is currently $3,000 and you will make deposits towards this amount on a regular, monthly basis throughout the process.
What’s the timeline of the process?
  • Pre-Qualification: 5-15 minutes
  • Application: 1-2 hours
  • Document Gathering: 1-2 weeks
  • Approval: 1-3 Months
  • Building the House, Sweat Equity Hours & Closing Cost Deposit: 1-2 years

Additional Resources

General Assistance

United Way of Greater Philadelphia and Southern New Jersey
unitedforimpact.org
(215) 665-2500
New Jersey 2-1-1
nj211.org
BCCAP Connections Program
bccap.org
(855) 616-2227
Board of Social Services
bcbss.org
(609) 518-4839

Affordable Housing

MEND
mendinc.org
(856) 722-7070
NJ Resource Center
nj.gov
(877) 428-8844
Triad Housing Program
triadhousingprograms.com
(856) 690-5749

Home Repairs

The Fuller Center
fullercenter.org
(609) 923-5631

Credit Repair/Counseling

Clarifi Credit Counseling
clarifi.org
(800) 989-2227

Other

Two Men and a Truck
twomenandatruck.com
(856) 316-4687
Thank you to our sponsors!
Habitat for Humanity of Burlington County and Greater Trenton-Princeton offers a one-of-a-kind opportunity to make the dream of affordable homeownership possible and we are seeking interested and eligible homebuyers for our Affordable Homeownership Program.
Main Office
530 Route 38 East
Maple Shade, NJ 08052
(856) 439 - 6717
Monday - Friday, 8:30am - 4:00pm
ReStore
530 Route 38 East
Maple Shade, NJ 08052
Sunday - Friday, 10:00am - 6:00pm
Saturday, 9:00am - 6:00pm
Satellite Office
120 John Street
Princeton, NJ 08542
Copyright © 2019 Habitat for Humanity of Buringlinton County and Greater Trenton-Princeton. All rights reserved.