Everyone deserves a decent, safe and affordable place to call home.

At this time, our application process is CLOSED. Keep checking this page for more information on the application process

Dear Habitat Homeowner Applicant:

L-C Valley Habitat for Humanity is a faith-based nonprofit organization that works to provide affordable housing.  We use private donations and volunteer labor to build homes with those in need of decent, affordable housing in Nez Perce or Asotin County.  We adhere to the spirit of federal fair housing law; anyone is welcome to apply no matter their personal beliefs or background. Habitat asks only that they meet the qualifications listed below.

Habitat is a hand up, not a hand out.  Habitat homeowners save a down payment, put in time helping build the home, attend classes and workshops designed to help them become successful homeowners, and purchase the home from Habitat with a zero or very low interest mortgage.  L-C Valley Habitat sets the mortgage based on the cost to build the home and, considering the costs of insurance and taxes, what would be an affordable monthly payment for the homeowner.

If you have any questions, please call the L-C Valley Habitat for Humanity office at 509.758.7396.

 

Please fill-out the form below or call the office (509) 758-7396 to be put on the tickler list for those interested in applying for the next home.

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You will be contacted when the process begins to see if you are still interested. The first step in the application process is to attend an informational meeting to receive detailed information about our unique program, answer questions, and receive and application. Keep checking this page for more information on the application process.

Fill out and submit the application with all the required documentation before the deadline.  NOTE: It is strongly recommended, but not required, that you attend one of the informational sessions provided prior to completing your application.

There are three main criteria to apply for a Habitat Home:

  • Ability to pay,
  • Need for housing, and
  • Willingness to partner with Habitat.

Please fill-out the form below or call the office (509) 758-7396 to be put on the tickler list for those interested in applying for the next home.

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You will be contacted when the process begins to see if you are still interested. The first step in the application process is to attend an informational meeting to receive detailed information about our unique program, answer questions, and receive and application. Keep checking this page for more information on the application process.

1. Have a housing need. For example: excessive rental/utility expenses, no indoor plumbing, poor heating, leaks in the roof, overcrowding, unsafe or unsanitary conditions. The Homeowner Selection Committee may schedule a home visit with you to verify need.

2. Have lived or worked in Nez Perce or Asotin County for at least the last year.

3. Have pre-tax (gross) income in the Habitat annual income range for Nez Perce/Asotin County for a family of your size. For example, a family of two needs a gross annual income between $20,250 and $53,950. See the Habitat annual income range table below.

 

2024 Income Limits, Set by HUD Annually
Persons in Household Minimum (30%) Maximum (80%)
1 $        17,700.00  $         47,200.00
2 $        20,250.00  $         53,950.00
3 $        20,250.00  $         53,950.00
4 $        25,900.00  $         67,450.00
5 $        27,300.00  $         72,850.00
6 $        29,350.00  $         78,250.00
7 $        31,350.00  $         83,650.00
8 $        33,400.00  $         89,000.00

4. Provide permission for Habitat to verify employment and other income, verify checking and savings account balances, get a statement from your current and previous landlords, have a credit check done, conduct background checks, and ask you for credit references.

5. Be willing to participate in programs to become a successful homeowner, which will include budgeting, home repair, and maintenance.

6. Be willing to invest “sweat equity” by working on the Habitat house or other approved projects.  A single adult household is required to put in 250 hours; a family headed by two adults is required to invest 500 hours.

7. Be willing and able to make monthly payments towards a share of the closing costs on your house. Closing costs vary but are typically 1% of the Fair Market Value of the completed home.

8. Be able to purchase the home from Habitat once it is completed. Principal payments for a Habitat house are no greater than 30% of your gross income. The actual amount paid to the mortgage servicer may be greater than 30% of gross income as it will include taxes and insurance payments to a required escrow account. L-C Valley Habitat cannot guarantee what the final price will be until the construction is complete.

For more information about our Affordable Home Ownership Program, how it works, and what to expect, we invite you to watch this video.

If you have additional questions, please contact our office at 509.758.7396 or email mortgages@lewisclarkhabitat.org.