Apply for a Home

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Become a Habitat for Humanity Homeowner

“Habitat provided our family the opportunity to build a home which otherwise would not have been possible. Our family now has a stable, safe, and beautiful home where we can settle and grow for years to come.”

— The Fredericks: Keith, Torey, Kaydin, and Kyla

Do you need a hand up, not a hand out?

We want to find the right families—families that need a hand up, not a hand out.

The Family Selection Committee does not consider race, color, national origin, religion, sex, marital status, age, source of income, or sexual orientation in selecting partner families.

Learn if You Qualify

Qualifying partner families are selected based on need, ability to repay, and willingness to partner.

Qualifications

Apply

Midcoast Habitat will be accepting new homeowner applications from September 20 – January 15.

Request Application

DURHAM, NORTH CAROLINA, USA (06/01/18)-More than 250 homes will be built, renovated and repaired in communities across the country this week, as thousands of professional homebuilders and suppliers partner with Habitat for Humanity in the 2018 Home Builders Blitz. ©Habitat for Humanity International/Jason Asteros

Get Involved!

From building new homes and weatherizing existing ones to helping at the ReStore and working behind the scenes on our committees, there are many ways to volunteer.

Become a Volunteer

Many volunteer opportunities available. Take your pick.

Make a Donation

Help us eliminate substandard housing in our community! Every monetary gift helps.

Apply for a Habitat Home

Fill out an application to see if you qualify for a habitat home.

Qualifications

Need

Present housing is inadequate, due to problems with the structure; water, electrical or sewage service systems; heating system; and/or failure to meet city property requirements. The number, ages and sex of children are considered when determining the number of bedrooms in the home.
Total, steady household income is between $21,000 and $72,000, depending on family size. (The percentage of monthly income spent on housing is considered. Potential partner families are required to openly discuss financial conditions and standing with a family support volunteer.)
The family is unable to purchase a home through conventional means.
Applicants must have lived or worked in Knox County for at least one year prior to application.

Ability to Repay

Applicants must demonstrate their ability to pay monthly mortgage payments, which includes real estate taxes and insurance and are typically $500-600.
The mortgage loan is interest free.
Midcoast Habitat for Humanity helps applicants determine whether they can assume the burden of the mortgage payments without jeopardizing the ability to meet all other family and financial obligations, and to develop a budget if needed.

Willingness to Partner

Families gain “sweat equity” by participating in the construction of their home and the homes of others. This may include clearing the lot, painting, helping with construction, construction clean up, providing food for volunteers, or working in the Habitat office or ReStore.
Families may be credited with up to 200 hours of work provided by friends and relatives who participate. The requirement can be fulfilled over a period of up to two years.
Families are responsible for maintenance and repair of their homes from the time they move in.

Habitat Homeowner Inquiry

Complete the form below:

I have need and do not own my own home. I am a resident of Knox County.(Required)

Yes

No

I am willing to partner with Midcoast Habitat for Humanity and fulfill the "sweat equity" hours required, attend homebuyer classes, budgeting workshops and participate in Midcoast Habitat Events.(Required)

Yes

No

I have the ability to pay (0% interest mortgage, real estate taxes and insurance) Please check all that apply:

I do not have liens, excessive credit card debt or multiple bills in collection

I have not declared bankruptcy in the last 18 months

I pay my rent on time

I have had stable income for the last 12 months

My income falls within the guidelines below:

Knox County FY 2025 – 80% Median Income Limits
Family Size	Median Income (80%)
1	$56,000
2	$64,000
3	$72,000
4	$80,000
5	$86,400
6	$92,800

Application Instructions

If you answered yes to the questions above and would like to receive an application via email or mail, please provide the following information:

Name

First

Last

Address

Street Address

Address Line 2

City

State / Province / Region

ZIP / Postal Code

Country

Phone

Email

How many people will be living in the house, including yourself?

Living Circumstances

Please describe current living circumstances.
This includes jobs, social security, disability, KTAP, food stamps and child support.