Application Process

Orientations for Habitat Chesapeake’s homebuyer program are held throughout the year, providing individuals an opportunity to learn more about our homeownership program, as well as the application process.

Individuals that meet the requirements (outlined below) are welcome to attend these meetings to speak with Habitat Chesapeake staff members.

For individuals and families in need of urgent assistance, there are a variety of organizations throughout Central Maryland that offer immediate housing assistance and other support services. Please review this list of partners for details and contact information.

For questions regarding the Habitat Chesapeake program, please call 410-366-1250 or email

Requirements to Become a Homebuyer

Habitat Chesapeake partner families must meet the following three requirements.

Ability to Pay

Habitat for Humanity of the Chesapeake partners with a unique group of deserving individuals—hardworking men and women who make enough money to pay a monthly mortgage, but not enough to qualify for traditional bank loans. Below is a chart of income guidelines for individuals and families qualified for the Habitat Chesapeake program.

People in Household Minimum Income Maximum Income
1 $18,816 $37,632
2 $21,504 $43,008
3 $24,192 $48,384
4 $26,880 $53,760
5 $29,030 $58,060
6 $31,180 $62,361
7 $33,331 $66,662
8 $35,481 $70,963

Need for Decent, Affordable Housing

Individuals and families must be in need of better living conditions. This includes living in overcrowded or deteriorating conditions, living with family or friends, or paying too much to rent a sub-standard house or apartment.

Willingness to Partner

To solidify the concept of partnership, homebuyers are required to invest “sweat equity” volunteer hours when purchasing a Habitat Chesapeake home. An individual homebuyer must complete 200 hours of volunteer service, while a family with an additional adult must complete 300 hours. Additionally, 50 hours of financial and homeowner education is required of each partner family.

In return for this partnership, Habitat Chesapeake works with each partner family to ensure they have the credit and financial standing necessary to purchase their Habitat Chesapeake home, and the ability and commitment to make timely, no-interest monthly mortgage payments on their affordable home.