- 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.
- 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 | $26,100 | $41,700 |
| 2 | $29,800 | $47,700 |
| 3 | $33,550 | $53,650 |
| 4 | $37,250 | $59,600 |
| 5 | $40,250 | $64,350 |
| 6 | $43,200 | $69,150 |
| 7 | $46,200 | $73,900 |
| 8 | $49,150 | $78,650 |