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Getting ready to build! One of our partner family children, wearing her parent's hardhat.

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Our application period is currently closed. Please call the office to find out the date of our next orientation .


Four Steps to Qualify for Habitat Housing


Step 1: Be within Income Guidelines

Income Guidelines FY2017
Family Size Monthly Yearly
1 $1,667 - $2,796 $20,001 - $33,550
2 $1,804 - $3,196 $21,653 - $38,350
3 $1,985 - $3,596 $23,823 - $43,150
4 $2,392 - $3,992 $28,700 - $47,900
5 $2,798 - $4,313 $33,577 - $51,750
6 $3,204 - $4,633 $38,453 - $55,600
7 $3,610 - $4,950 $43,330 - $59,400
8 $3,845 - $5,271 $46,142 - $63,250

Families should be within 35-80% of the Area Median Income (AMI) determined by HUD.

Step 2: Demonstrate Need

- Present housing is not adequate
- Unsafe or unhealthy living conditions
- High cost burdens

Step 3: Demonstrate Ability to Pay

- Proof of steady income
- Complete and full disclosure of financial status
- Debt to income ratio (Outstanding monthly payments divided by monthly income)
- Acceptable Credit
- Inaccurate or partial information is grounds for denial

Step 4: Be willing to partner with Habitat for Humanity

- Sweat Equity = 500 hours minimum at the construction site
- Ability to take on homeownership responsibilities
- Participation in homeowner classes
- Providing timely and complete information
- Public nature of Program

Contact Lupe Aceves
(209) 575-4585 Ext. 111 if you are interested.

HUD Habitat for Humanity Stanislaus Equal Housing Opportunity

Habitat must operate in accordance with the Fair Housing Act, the Equal Credit Opportunity Act, and the Americans with Disabilities Act. The FHA makes it unlawful to discriminate against any person in the rental, advertising or financing of housing on the basis of race, color, religion, sex, handicap, familial status or national origin. The ECOA makes it unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction on the basis of race, color, religion, national origin, sex or income or because the applicant has in good faith exercised any right under the federal consumer credit laws. The ADA prohibits discrimination based on physical disability in most areas, including housing. Other regional laws may apply.