Become a Homeowner

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Buying a home is the largest purchase you will make, and certainly one of your most important decisions.

Owning your home provides security, stability for your family, and helps you to build personal wealth. It’s important to us that you understand your rights as a purchaser, that you are aware of the pitfalls, and are able to financially manage paying your mortgage for years to come. Since 1975, we’ve been educating buyers just like you. We offer free help, including one-on-one pre-purchase counseling, group classes taught by industry professionals, money management tools, credit recovery classes, and more.

Income Requirements

To participate in HOME’s homeownership program and qualify for down-payment assistance, applicant(s) purchasing the home are required to have at least $30,000 in combined annual income AND be under the maximum income limits in the chart.

Family Size Max Household Income
80% AMI
WORTH Program Only
Max Household Income
120% AMI
1 Person $59,750 $89,550
2 Persons $68,250 $102,350
3 Persons $76,800 $115,150
4 Persons $85,300 $127,900
5 Persons $92,150 $138,150
6 Persons $98,950 $148,400
7 Persons $105,800 $158,600
8 Persons 106,350 $168,850


HOME’s Steps to Homeownership.

If you qualify, follow the steps below:

  1. Submit an Application. Fill out the information below, then proceed to the online application. Allow up to 10 business days for us to process your application.
  2. Attend HOME’s virtual homebuyer education course.
  3. Meet with your counselor. Once your homebuyer education completion certificate is verified, a counselor will be assigned, and an appointment will be scheduled. Specific documents will be requested and must be received prior to the appointment. During the appointment you will discuss your financial situation, what you will need to do to become fully ready to purchase a home, and how much of a mortgage loan your budget can accommodate. Also, if you need and qualify for down payment and closing cost financial assistance, you will learn how to access that money.
  4. Get your affairs in order. Establish and follow a spending plan, save money, and meet with your counselor for additional sessions.
  5. Find and buy your home. By this time you will know how to work with a real estate agent, what to look for, how to get a good mortgage, and what to expect at closing when you sign the loan documents and finalize the purchase of your home.
  6. Celebrate and enjoy your new home! Make sure you let us know how you are doing. We are here to help you past any bumps along the road!


Before you apply, learn more about the program and the areas we serve:

By providing a telephone number and submitting the form, you are consenting to be contacted by SMS text message when necessary for your case. Our message frequency may vary. Message and data rates may apply. You may always opt-out of receiving SMS messages by texting “STOP.” See our Privacy Policy for more information.


In order to complete a homeownership packet, please answer the questions below.