Homeownership: Qualify & Apply

Program Update:

Application submission is closed at this time.
We will be announcing our selection in early to mid June.

Please consider donating to help us build next year. For more information please call us at 732-228-7962 or visit our office at 1187 Washington Street, Suite 3 Toms River NJ.  Office hours are Monday through Friday from 9:00 a.m. – 4:00 p.m.

Buying a home in partnership with Habitat for Humanity is a unique opportunity. Northern Ocean Habitat for Humanity develops decent, affordable homes in partnership with qualified homebuyers who help build and then purchase their homes with an affordable mortgage.

Northern Ocean Habitat for Humanity does not give away homes; each home is purchased with a low mortgage affordable to a qualifying low income person or persons. Homes are able to be affordable due to the many valued partners and volunteers who generously provide complimentary or discounted services for the purpose of assisting those less fortunate.

Homeowners must be able to pay an affordable mortgage and be willing to accept the responsibilities of being a good neighbor and a positive part of the community by maintaining their home and property.

Income Guidlines

Family Size Minimum Maximum
1 Person $19,449 $32,415
2 People $22,227 $37,046
3 People $25,006 $41,676
4 People $27,784 $46,307
5 People $30,007 $50,012
6 People $32,230 $53,716

In Order to qualify for Habitat homeownership, the applicant must:

  • have a need for adequate housing
  • have the ability to pay for the Habitat home
  • provide proof of income
  • provide all required documentation
  • sign all necessary forms and the application
  • be willing to participate as an active partner with
    Northern Ocean Habitat for Humanity through
    service and sweat equity
  • meet income eligibility requirements

Optional Informational Sessions 

  1.  Tuesday, April 3 from 6:30 p.m. – 8:30 p.m. at the Brick Library.
  2. Thursday, April 19 from 9:00 a.m. – 11:0 a.m. at the Jackson Library

Application submission is closed at this time.