- Habitat Homes – H1 – sold at cost, with a low interest rate.
- Applicants must earn 50%-80% of the median income for Smith County according to figures from the U.S. Dept. of Housing and Urban Development.
- Applicants must be able to answer yes to all six questions below.
- Fill in the application form from the website and submit to Habitat for Humanity of Smith County.
- If approved at this stage, an applicant must consent to a credit check and criminal background check.
- Must also be willing to attend financial management and homeownership classes.
- Must complete 300-500 sweat equity hours before closing.
- 30-year mortgage may be held by Habitat or a third-party lender.
We are glad that you are interested in owning your own home.
Smith County Habitat for Humanity chooses its homeowners based on three criteria:
- the applicant’s level of need
- their willingness to become partners in the program
- and their ability to repay the mortgage loan
(Neither race nor religion is a factor in the application process for families who are accepted into the Habitat program)
If you can say “YES” to all of the questions below, you could qualify to purchase a Habitat home.
- Have you been a resident of or worked in Smith County for at least one year?
- Are you a first-time home buyer?
- Are you willing to partner with Habitat to help build your home and other Habitat homes?
- Can you prove consistent, stable income for the past 24 months or more?
- Will you allow Habitat to run credit, sexual offender and criminal background checks on you?
- Do you earn 50%-80% of the median income of Tyler Residents? (Please see chart below for reference.)
| Family Size | 50% of Median Income | 80% of Median Income |
| 1 | $31,100 | $49,850 |
| 2 | $35,550 | $56,950 |
| 3 | $40,000 | $64,1000 |
| 4 | $44,450 | $71,200 |
| 5 | $48,000 | $76,900 |
| 6 | $51,600 | $82,600 |
| 7 | $55,150 | $88,300 |
| 8 | $58,700 | $94,000 |
If you would like to be considered for a Habitat home,
please download, complete and mail the following paperwork: