Ownership Requirements TO DETERMINE IF YOUR FAMILY QUALIFIES FOR A HABITAT HOME:

• Applicants have lived and/or worked in Bend, OR for at least one year.
• Applicants are able to maintain the payment for a BAHFH home and can provide proof of income.
• Applicants are able to provide personal and employment references.
• Applicants are willing and able to attend and complete all designated workshops, classes and other “sweat equity” requirements (600 hours/couple and 400 hours/single adult family - approximately 8-12 hrs per week for at least one year).
• Applicants are willing and able to enroll and successfully complete a savings program through NeighborImpact. This will require saving a certain amount of money for a minimum of 12 months towards a down payment. This will require budgeting!
• Applicants have a debt burden that is under control…no more than 40% of their annual income. (Add up all income, multiply by 40%, that amount equals maximum debt amount. Add up all debts (total amounts). This total should be less than the maximum.) A credit report will be run.
• Must not have declared bankruptcy within the last two years.
• Applicants must be legally qualified to purchase property in the State of Oregon. (For example: proof of legal residency and favorable outcome of existing court actions - divorce, felony, bankruptcy and/or judgments).
• Applicants' total gross (before taxes) household income must meet the following guidelines: (household income includes all income from individuals 18 years or older who contribute to the overall financial status of a household. These individuals do not have to be related to be considered part of the household.)

Family Size	Minimum Gross Household Income	Maximum Gross Household Income
1	$ 14,259	$ 30,555
2	$ 16,296	$ 34,920
3	$ 18,333	$ 39,285
4	$ 20,370	$ 43,650
5	$ 22,000	$ 47,142
6	$ 23,629	$ 50,634
7	$ 25,259	$ 54,126
8	$ 26,888	$ 57,618