How to Apply for a Traditional Habitat Home

  • 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 answer yes to all six questions below.
  • Fill in a pre-application form for the website and submit to Habitat for Humanity of Smith County.
  • If approved at this stage, an applicant must be willing to a credit check and criminal background check.
    • Must also be willing to attend financial management and homeownership classes.
  • Must complete 300 to 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 applicants’ 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 might qualify to purchase a Habitat home.

  1. Have you been a resident of or worked in Smith County for at least one year?
  2. Are you a first time home buyer?
  3. Are you willing to partner with Habitat to help build your home and other Habitat homes?
  4. Can you prove consistent, stable income for the past 24 months or more?
  5. Will you allow Habitat to run credit, sexual offender and criminal background checks on you?
  6. 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 $27,500 $44,000
2 $31,400 $50,250
3 $35,350 $56,550
4 $39,250 $62,800
5 $42,400 $67,850
6 $45,550 $72,850
7 $48,700 $77,900
8 $51,850 $82,900

If you would like to be considered for a Habitat home,

please download, complete and mail the following paperwork: 


If you have any questions, please contact Tammy Clanton in the Family Services Department

903-595-6630 ext. 214