Homeownership Program

Chemung County Habitat for Humanity’s homeownership program application period for 2023-2024 is now closed. We will post an announcement when the application process opens again.

When families partner with Chemung County Habitat for Humanity, they start down a new path. All of our partner families are proactive, not passive. Investing, not receiving. Affordable housing opens the door to a new beginning. When a family crosses the threshold of a Habitat house, they enter a world of possibility.

Thank you for your interest in becoming a Habitat homeowner. We believe that everyone should have a safe, affordable place to call home.

To carry out our vision, we partner with individuals and families from application through construction to when the keys are handed over.

By working with us from beginning to end, we can help prospective individuals and families prepare for the various responsibilities of homeownership, including learning about personal finances, mortgages, maintenance and upkeep of homes, and much more.

Habitat’s path to homeownership is an important and in-depth process, requiring hard work, time and dedication. But this helps to ensure the long-term success of Habitat homeowners.

How to Qualify for a Habitat Home

Habitat homeowners must be active participants in building a better home and future for themselves and their families. Every Habitat home is an investment. For us, it is one answer to a critical need, and we believe that stronger homes will create stronger communities.

  • Prospective Habitat homeowners must demonstrate a need for safe, affordable housing. Need will vary from community to community.
  • Once selected, Habitat homeowners must partner with us throughout the process. This partnership includes performing “sweat equity,” or helping to build their own home or the homes of others in our homeownership program. Sweat equity can also include taking homeownership classes or performing volunteer work in our office.
  • Homeowners must also be able and willing to pay an affordable mortgage.

For more information about Habitat homeownership eligibility, contact Chemung County Habitat for Humanity at (607) 734-1361 or email [email protected]

Chemung County Income Guidelines for Eligibility

1 Person2 Person3 Person4 Person5 Person6 Person7 Person8 Person9+ Person
$32,760$37,440$42,120$46,740$50,520$54,240$57,960$61,740Contact CCHFH office

NOTE: Income guidelines are subject to change per the Department of Housing and Development (HUD)