Apply for Homeownership

How the Program Works:

Our homeownership program is designed to assist low income; first-time homebuyers achieve their dream of homeownership. Habitat homes are sold to partner homebuyers at no profit and financed with affordable loans. Interested applicants must submit an application meet program eligibility requirements. With the support of community partners, donors and volunteers, Chemung County Habitat for Humanity constructs new or renovates existing homes alongside Habitat Partner Homebuyers. In addition to a down payment and monthly mortgage payments, homeowners invest Sweat Equity hours building their future Habitat home and the homes of other Habitat Homebuyers. Habitat homes are sold to Partner Homebuyers at no profit and financed with affordable loans. 

Program Criteria:

  1. Homebuyers must be able to demonstrate they can afford a affordable mortgage mortgage loan and a small down payment
  2. Homebuyers must fall within program income guidelines. See below for current program income guidelines:


3. Homebuyers must have good credit (no recent bankruptcies, collections, liens or judgments)

4. Homebuyers must be able to make a small down payment

5. Homebuyers must demonstrate a need for decent and affordable housing

6. Homebuyers must be willing to partner with Chemung County Habitat by completing the following:

  • 250-400 Sweat Equity hours
  • HUD-approved pre-purchase homebuyer education workshop


7. All household members must be a U.S. Citizen or Permanent Legal Resident

Chemung County Habitat for Humanity provides equal housing opportunities for all, and ensures fair and equal access to its programs and services regardless of race, color, religion, gender, national origin, familial status, disability, marital status, age, ancestry, sexual orientation, source of income, or other characteristics protected by law. Veterans and Military Household designation is permissible under the Fair Housing Act, so long as the restriction does not operate to exclude a class protected by the Act. Thus, the housing must be offered to any qualified veteran or military household, regardless of race, color, national origin, religion, sex, disability or familial status. 42 U.S.C. 3601-19

Please print & complete the Pre-application for Homeownership. All applications must be mailed to:

Chemung County Habitat for Humanity, PO Box 3110, Elmira, NY 14905