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Homeownership

Eligibility Criteria

Who is eligible to apply for a Habitat for Humanity of Coastal Fairfield County (Habitat CFC) House

All prospective homeowners must follow these steps:

  1. Complete the Pre-Screening Survey – Helps us assess your eligibility to attend informational session and housing needs.
  2. Attend Informational Session – Learn program requirements and receive the application.
  3. Must Complete and Submit Application by Deadline – Return completed forms with all requested documents.

Who is eligible?

1st Time Homebuyers - At Habitat for Humanity of Coastal Fairfield County (Habitat CFC), we partner with families who are ready to build strength, stability, and self-reliance through affordable homeownership.

All Applicants must meet our three principal criteria listed below:

  • Need.

    Living in overcrowded, unsafe, or unaffordable housing, or spending more than 30% of income on rent.

  • Ability to pay.

    Total household income within HUD income guidelines according to family size. Two years of steady income with a minimum credit score of 620. No judgements, foreclosures or recent bankruptcies.

  • Willingness to partner.

    After acceptance into the program, the future homeowners will work alongside Habitat by volunteering to build (partnership equity), attending homebuyer education classes, and participating in community events.

Additional Requirements

  • Must be a U.S. citizen or legal resident
  • Must live or work in Coastal Fairfield County area for 1 year and in the State of Connecticut for a minimum of 3 years
  • Must a credit score of 620 or higher, and free of bankruptcy or foreclosure for at least 3 years
Equal Housing Opportunity logo.

Habitat for Humanity Coastal Fairfield County does not discriminate based on race, color, creed, religion, national origin, ancestry, sex, sexual orientation, color, age, medical condition, physical or mental disability, pregnancy, veteran status, marital status, gender identity or expression or any other category protected by law, or because all or part of the income is derived from any public assistance program that will produce income for the long term.

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