Download our "Own a Habitat Home" brochure!

Sea Propietario de una Vivienda de Habitat


Read below for general information on Habitat's eligibility guidelines and sign up for an Information Meeting to learn more!


Information Meeting
Learn more about the program, eligibility criteria, homes, application process, and paperwork by attending an Information Meeting.  This two-hour meeting is required during the application process even if you submit paperwork first, and it must be attended within six months of submitting an application.  See below for the locations of Information Meetings based on the county you are interested in and call the appropriate number to sign up for an upcoming meeting.  Please let us know if you need accommodations to attend the meeting.


County of Interest *Information Meeting Locations: To schedule, call:
Nashville (Davidson County) Nashville office 615-254-4663
Dickson County Nashville or Dickson office 615-254-4663
Cheatham County Nashville or Dickson office 615-254-4663
Wilson County Wilson office 615-453-4539


Eligible applicants will be U.S. citizens or permanent residents, meet criminal background check requirements, and have a:

1.  Housing need

2. Willingness to partner with Habitat

3. Ability to afford homeownership


From application to owning a home takes approximately 6-18 months. Habitat is a long-term homeownership program and does not provide emergency housing.


Housing Need
Applicants initially demonstrate housing need by having an income below the current household limits.  Higher priority is given to those with additional housing concerns such as living in overcrowded conditions, temporary homes, or unsafe environments; needing accessibility for a household member with a disability; or paying rent higher than 30% of income. If qualified financially, applicants will receive a home visit to further evaluate their need. Applicants should not have owned a home in the last three years nor had a foreclosure in the last four years. Habitat of Greater Nashville serves those living or working in Davidson, Cheatham, Dickson, or Wilson counties for at least six months. For Habitat affiliates in other areas, visit


Willingness to Partner
Applicants must be willing and able to attend homeownership classes for several months, volunteer to build their own home and/or others’ homes, and volunteer in the Habitat ReStores.  Habitat calls this “sweat equity.” (Accommodations can be made for applicants with disabilities).  Applicants must also be willing to accept the location and design of homes Habitat has available. Current details are provided at Information Meetings, and attendance is required before or during the application process.


Ability to Afford Homeownership
Applicants must prove their ability to afford the monthly mortgage and household expenses as described below.


Income — Habitat requires steady income history for the last two years in the United States with at least six months of history for current employment or income sources. Self-employed individuals must have at least one full year’s tax filing showing self-employment income. See the chart below for general income guidelines.  These are subject to change, and having income within these guidelines does not guarantee eligibility.


Household Size

Minimum Applicant Annual Income*

Maximum Household** Annual Income

























*Minimum applicant annual income may be as low as $22,000 for Cheatham and Dickson counties.

**Household income may be different than Applicant Income as it includes the entire household.


Credit — While Habitat does not generally have a credit score requirement, old debts such as collections and judgments must be less than $2000 at the time of application and must be resolved before the purchase of the home.  An additional $2000 of medical collections may be allowed if making payments on these.   We also consider recent history of payments on rent, utilities, loans, and other expenses, and the amount of monthly loan payments, including estimates for deferred student loans. Bankruptcies must have been discharged or dismissed for one year for Chapter 13 and two years for Chapter 7. You can order a free copy of your credit report from, or by calling 1-877-322-8228.


Savings - Applicants must be able to save a minimum of $3,000 for closings costs within approximately 9-12 months.





Seeking to put God’s love into action, Habitat for Humanity brings people together to build homes, communities and hope.