Become a Homeowner

Thinking about homeownership with Habitat?

Applications for our homeownership program, including homes in The Hudson, are not yet open. We anticipate accepting applications for The Hudson in Fall 2026.

Please continue to check this page for the most current updates and details on how to apply when the time comes. We're here to help you take the next step toward building a stable, affordable future for your family.

At Habitat for Humanity of Sumner County, we believe in building more than homes—we build opportunity, connection, and lasting hope.

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Habitat’s model creates a cycle of community investment putting home mortgage payments to work building more homes.

HOW DOES IT WORK?

Strong and stable homes build strong and stable communities.

Working in partnership with local families, Habitat creates opportunities for homeownership.

Future Habitat homeowners are active participants in the homebuilding and home buying process. The foundation of our unique program is working in partnership with families seeking the strength, stability, and independence that homeownership provides. Habitat homeowners build and buy their very own homes, creating brighter futures for themselves and their families.

Eligibility Criteria

In need of improved housing

Eliminating substandard housing is a core tenet of Habitat for Humanity.

Future homeowners must show a need that can be determined by many factors such as:

  • overcrowding

  • unsafe or unhealthy living conditions

  • rental costs that exceed 30% of monthly household income

Willing to partner with Habitat

Future homeowners are active participants in the construction process and are positive representatives of Habitat in the community.

All future homeowners are required to complete a minimum of 200 hours per adult buyer as part of that partnership, working alongside Habitat construction staff and volunteers to build their own home, the homes of their neighbors, or even in the ReStore or administrative offices.

Able to pay an affordable mortgage

Applicants must have stable income and earn between 40% and 80% of the Area Median Income. There should be at least two years of good credit, no bankruptcy within the past two years, and no delinquent debt. Mortgage payments are tailored to homeowners and will be no more than 30% of the gross monthly household income.

HOW DO I APPLY?

The journey to homeownership can be intimidating. We’ll be there at every step.

Purchasing your first home is a big deal. The Habitat path to homeownership begins with a multi-step approval process that ensures our program is right for you. Our goal is to set you up for success so you can begin building a brighter future for yourself and your family.

No homeownership orientations are scheduled at this time. Add your name to our interest list to be notified about our next one.

Here are questions we answer the most.

  • Habitat for Humanity of Sumner County does not maintain a waitlist, and we do not accept applications year-round. Instead, applications are only accepted during designated open periods for the specific homes available at that time.

    If you would like to be notified when the next application period begins, we encourage you to sign up for our Homeownership Interest List. Joining the list is the best way to stay informed about upcoming opportunities to partner with us.

  • No, Habitat homeowners pay an affordable mortgage.

  • Yes, you must reside or work in Sumner County or be a resident of a nearby county that does NOT have a Habitat affiliate.

  • As part of their partnership with Habitat, future Habitat homeowners contribute 200 hours of labor per adult applicant. This “sweat equity” can be performed on the construction of their own home, the construction of homes for others, assisting in the ReStore or in the administrative offices, or on other Habitat projects.