Safe and Decent Housing Significantly Impacts Families’ Emotional, Physical, and Social Well-Being

Children thrive in school, adults can enhance their earning capacity, and communities are bolstered when residents have secure shelter.

Interested in Habitat Homeownership?

We are proud of the ability to offer help and support families in reaching their full potential. Please review the eligibility requirements below and complete our Self Evaluation form to see if you qualify.

Minimum Program Requirements

  1. You have lived and/or worked in Citrus County for a minimum of 1 year.
  2. You are a US Citizen or Permanent Resident.
  3. You can commit to a minimum of 350 hours of “Sweat Equity”.
  4. Must attend Habitat homeowner training classes.

Need Requirements

  1. You do not already own a home.
  2. You are currently living in substandard housing, which would include any of the following conditions:
    • Home is in poor physical condition.
    • Home is overcrowded.
    • Rent is subsidized.
    • Rent is more than 30% of income.
  3. Your household gross income is between 35% and 120% of the area median income.

Payment Requirements

  1. You have proof of at least 1 year of steady, verifiable, annual income.
  2. You do not have any judgments or liens against you.
  3. You do not have excessive debt or multiple accounts in collection.
  4. You pay your rent on time.
  5. You can pay $2,000 towards closing costs.

Income Eligibility

Annual Gross Income Guidelines for Consideration of HFHCC Partnership of Homeownership (subject to change without notice)

Family SizeMin. IncomeMax. Income

Income Calculator

Enter the total monthly gross income for your household below to see if you meet the Income Guidelines for Consideration.

If you meet the Income Guidelines, please complete the self evaluation to evaluate your readiness for homeownership through Habitat for Humanity of Citrus County.

Complete Self Evaluation

If you meet the criteria and are eligible based on the self evaluation form, please complete an application and the homeowner orientation for more information on next steps!

Homeownership Application Homeowner Orientation Volunteer Registration for Current Partner Families

Now accepting applications for Habitat of Citrus Springs!

Habitat at Citrus Springs is a 176-home development in northern Citrus County, where we are currently building 3 and 4 bedroom homes for income-qualified families.

Each home comes with two bathrooms and a one-car garage, with central water and sewer systems. Habitat at Citrus Springs is part of a deed-restricted community.

View Deed Restrictions View Floor Plans

Education and Citrus County Resources

Home Repair & Maintenance Part 1 Home Repair & Maintenance Part 2 Title Insurance & Closing Process Homeowner Introduction Class Being a Good Neighbor Construction & ReStore Class Community & Civic Engagement Citrus County Resources Household Finance Last Will and Testament
Equal Housing Logos

Habitat for Humanity of Citrus County is an equal opportunity housing provider and does not discriminate based on race, color, religion, sex, national origin, disability or familial status.