Homebuyer Program
Our Habitat Homebuyer Program provides a unique opportunity for hard-working, low-income individuals and families to help build and buy their own home. We work closely with qualified individuals and families to build safe, permanent, and affordable homes in Skagit County.
Skagit Habitat Homebuyer Program
Requirements Processes
APPLICATIONS OPEN For COUPLES WITHOUT CHILDREN, INDIVIDUALS, and Families
Affordable Housing Applications Deadline Extended: Dec. 23rd
We are excited to announce that applications for Skagit Habitat’s Homebuyer Program are now open! We are looking to partner with eight qualifying families, individuals, and couples with incomes between 70% and 80% of the area median income to build and buy their own homes. These homes will be located off of 29th St. in Anacortes.
Eight Townhomes are coming to Anacortes:
Eight 2 bedroom, 1.5 bathroom, 2 story homes.
*These eight homes will consist of 4 duplexes, so each unit will share a wall with the adjacent unit.
How to Apply:
1. Complete a paper application.
2. Print and attach all required documents (see list below).
3. Schedule a time to submit your application in person at the Skagit Habitat office: 204 W Montgomery, Mount Vernon.
For any questions or to schedule your submission, please call 360-428-9402 ext.113
DEADLINE is no later than 3:00 PM on Monday, December 23rd, 2024.
Apply today and take the first step toward homeownership with Skagit Habitat!
Step One
Attend an Affordable Housing Orientation
Families interested in applying for a Skagit Habitat for Humanity home begin by attending a mandatory Affordable Housing Orientation. At the meeting, we will explain the program requirements, criteria, and expectations; describe the type of homes we build; and talk about how the application process works and answer questions. Meetings are scheduled on an irregular basis to coincide with upcoming new construction.
FY 2024 Gross Income Limits
| Percentage | 1 Person | 2 Person | 3 Person | 4 Person |
|---|---|---|---|---|
| 100 | $71,918.96 | $82,178.44 | $92,540.52 | $102,800.00 |
| 80 | $56,080.00 | $64,080.00 | $72,160.00 | $80,160.00 |
| 70 | $49,070.00 | $56,070.00 | $63,140.00 | $70,140.00 |
| 60 | $42,060.00 | $48,060.00 | $54,120.00 | $60,120.00 |
| 50 | $35,050.00 | $40,050.00 | $45,100.00 | $50,100.00 |
| 40 | $28,040.00 | $32,040.00 | $36,080.00 | $40,080.00 |
| 30 | $21,030.00 | $24,030.00 | $27,060.00 | $30,060.00 |
| 20 | $14,020.00 | $16,020.00 | $18,040.00 | $20,040.00 |
| Percentage | 5 Person | 6 Person | 7 Person | 8 Person |
|---|---|---|---|---|
| 100 | $111,007.58 | $119,215.17 | $127,525.35 | $135,732.93 |
| 80 | $86,560.00 | $92,960.00 | $99,440.00 | $105,840.00 |
| 70 | $75,740.00 | $81,340.00 | $87,010.00 | $92,610.00 |
| 60 | $64,920.00 | $69,720.00 | $74,580.00 | $79,380.00 |
| 50 | $54,100.00 | $58,100.00 | $62,150.00 | $66,150.00 |
| 40 | $43,280.00 | $46,480.00 | $49,720.00 | $52,920.00 |
| 30 | $32,460.00 | $34,860.00 | $37,290.00 | $39,690.00 |
| 20 | $21,640.00 | $23,240.00 | $24,860.00 | $26,460.00 |
Numbers represent Skagit County’s median gross income limits based on family size, according to the US Department of Housing & Urban Development (HUD). More information can be found here.
Step Two
Submit Your Completed Application
In order to be considered, each application must include all required documents and be received by the Skagit Habitat office by the established deadline date. The information provided on the application, including any information received from references, will be kept confidential within the limits of the law. Required documents and information include:
**Additional documentation may be required.
Step Three
Application Review by the Homebuyer Selection Committee
Each completed application will be reviewed by the Homebuyer Selection Committee. All potential applicants will be screened against the sex offender registry and criminal background will be checked. In addition, resources and references provided in the application, including but not limited to employers, personal references, and credit rating will be checked.
The applicant family’s income and debt will be determined using information and documents provided in their application. The next step in determining eligibility is the in-home interview during which committee members meet with everyone listed on the application as part of the family. Housing need and willingness to partner are evaluated.
The committee then meets to review each application and recommends those applicants meeting all requirements to the Skagit Habitat Board of Directors for approval and acceptance as a future Habitat Homebuyer. Applicants that do not meet all requirements will receive a letter detailing why they did not qualify and are welcome to re-apply in the future.
Expectations of New Future Homebuyers
The Future Homeowner agrees to perform a minimum of 250 ‘Sweat Equity’ hours (per applicant) in partnership with Skagit Habitat. All hours must be completed before the future Habitat Homebuyer can close on their mortgage and move into the home. ‘Sweat Equity’ hours support and foster the efforts of Skagit Habitat to build strength, stability and self-reliance through shelter and may be earned by:
- attending required educational classes and workshops,
- volunteering at special events supporting Skagit Habitat’s mission and work (ex. Raise the Roof Gala, NPSAR Golf Tournament)
- volunteering at the Skagit Habitat Store,
- working on the homes of other future Habitat Homebuyers,
- working on their own future Habitat Home.
Your photos and likeness may be posted on social media and other marketing platforms.
