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New Condominium Unit
135 Summer Street, Passaic

Applications open March 1, 2024 to April 1, 2024

Income Guidelines | Pautas de ingresos
Application Process | Proceso de solicitud

Eligibility Requirements: 

  • The applicant(s)* must make a total minimum annual income of at least $51,500.

  • The maximum household annual income for a 2-person household must not exceed $76,500.

  • The maximum household annual income for a 3-person household must not exceed $85,800.

    • Your household annual income is the total income from all sources (before taxes) of all employed household members living with you.

  • The applicant(s)* must be U.S. citizens or legal residents.

  • The applicant(s)* credit score(s) must be 620 or above.

  • The applicant(s)* must meet our credit guidelines:

  • Overall payment history is considered.

    • Medical bills are not considered unless there is a judgement.

    • Bankruptcy must be 3 years past discharge before applying.

    • Total past due non-medical debts cannot exceed $1,000.

  • The applicant(s)* cannot have owned a home for at least 3 years or be in bankruptcy.

  • The applicant(s)* cannot have been foreclosed upon in the past 7 years.

  • The applicant(s)* must occupy the home as their primary residence.

  • The applicant(s)* can cover or save an estimate of $10,000 for down payment and closing costs.

    • The applicant(s)* may apply for and/or be eligible for a First-Time Homebuyer Grant to assistance with costs.

 

* Includes co-applicant if applicable

Maximum Income Guidelines: 

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*Your household income is the total income from all sources (before taxes) of all employed household members living with you.

How to apply: 

If you are eligible, please follow the application process:

  1. Download the application (see buttons below) OR visit our office during office hours to pick up an application.

    • Monday - Friday, 9am to 3pm at 146 North 1st Street, Paterson

  2. Gather all the supporting documents requested. The list is included in the application packet.

  3. Submit your complete application and all supporting documents by: email, mail or drop-off.

    • Mail: Passaic County Habitat for Humanity, PO Box 2585, Paterson NJ 07509

    • Drop-off:

      • During office hours at 146 North 1st Street, Paterson (Monday - Friday 9am to 3pm)

      • Anytime in our secure mailbox in the front of our building

    • Email: apply@habitatpc.org

Application will only be accepted between
March 1, 2024 and April 1, 2024, 3pm.
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How to Apply | Cómo aplicar
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