Homeownership is within reach!

Habitat for Humanity of Greater Nashville makes homeownership possible for those who meet the income qualifications and other eligibility requirements listed below, offering 0% APR mortgage loans.

Eligible applicants will be U.S. citizens or permanent residents, meet criminal background check requirements, and have an ability to afford homeownership, a housing need, and a willingness to partner with Habitat as described further below. During each application period, additional criteria may apply.

Ability to afford homeownership

Eligible applicants will demonstrate ability to afford the monthly mortgage and household expenses by meeting the criteria 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.

Last updated 12/2021

Household Size Minimum Applicant Annual Income (Davidson county/Nashville) Minimum Applicant Annual Income (Wilson) Maximum Household Annual Income** (all counties)
1 $40,000 $35,000 $47,250
2 $40,000 $35,000 $54,000
3 $40,000 $35,000 $60,750
4 $40,000 $35,000 $67,450
5 $40,000 $35,000 $72,850
6 $40,000 $35,000 $78,250
7 $42,000      ^^ $83,650
8 $42,000      ^^ $89,050

 ^^The next applications for homes in Wilson County will be for 3 bedroom single family detached homes which will not accommodate households larger than 6 people.  Please check back in the future if you have a larger household.

** 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, a score of 600 or higher is preferred.  Additionally, 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 www.annualcreditreport.com, or by calling 1-877-322-8228.

Savings — Applicants must be able to save approximately $3,500 for closings costs within roughly 9-12 months.

Housing need

Applicants will demonstrate housing need by having an income below the current household limits (see chart above).  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 (exceptions may be granted for disaster victims). Habitat of Greater Nashville serves those living or working in Davidson, Cheatham, Dickson, Robertson, or Wilson counties for at least six months (or other adjacent counties if they do not have a Habitat affiliate, but homes are only built in counties listed above). 

Other local Habitat affiliates:

Willingness to partner with Habitat

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. To sign up for an Information Meeting, click here.

Applicant resources

Many homeowners have applied more than once and succeeded at becoming homeowners, whether through Habitat or other programs, after using these resources:

• Financial Empowerment Center (FEC) - offers free one-on-one confidential meetings with financial coaches to help Davidson County residents manage bills, deal with debt collectors, improve credit, and save for the future! For more information, call 615.748.3620.

Christian Community Services, Inc. (CCSI)

• New Level CDC

• Find a Nashville Area Homebuyer Education Class

Order a free copy of your credit report – www.annualcreditreport.com


Other housing services and resources:










Application for home ownership






Current Homeowners

Current Homeowners

New Habitat howeowners