Homeownership Eligibility Questionnaire

The following questionnaire provides you the opportunity to determine if you may be eligible for the Habitat for Humanity Mississippi Capital Area Homeownership Program. This is not an application to the program. If after taking this questionnaire, Ashley Avery - Director of Family Services - will contact you if it appears you are eligible.

Although we consider income of all household members, the income of the applicant with legal residency must financially qualify the household (in case the non-resident is required to be out of the country for a period of time). However, total household income must also fit within the income guidelines per family size.

If a household has gone through a bankruptcy, the bankruptcy must have been discharged for a minimum of two (2) years prior to submitting a partnership application and the household must be able to demonstrate a pattern of improved management and payment of debt.

If a household/applicant has a vehicle repossession; whether voluntary, involuntary or co-signed for, the repossession must have been for a minimum of two (2) years and the balance must be paid in full prior to submitting a partnership application.

Each year the Income Guidelines are revised (based on Housing and Urban Development research) and we use a range of 40-75% of the county median annual income. Click here to check if your household income is within these guidelines.

Your DTI ratio is your personal monthly budget and how much can be safely dedicated to home-related expenses. Monthly debt includes medical/dental, school loans (even deferred school loans), child support/alimony payments, car payments, loans, past due accounts. Does not include rent, utilities, or insurance.