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Need for Housing
  • Living in overcrowded housing
  • Living in substandard housing
  • Being a resident of subsidized housing
  • Paying more than 30% of gross income on rent
  • Does not own a home at time of application
Willingness to Partner
  • Household willing to perform minimum of 250 Sweat Equity hours 
  • Have lived or worked in York County for the last year
  • Committed to a drug-free community and no serious criminal history
  • Completion of homebuyer education course
  • Completion of financial literacy course
  • Save for closing costs and other related expenses
  • Participate in Habitat for Humanity of York County events
Ability to Pay
  • Income: must be stable and fall between 30-60% of HUD Area Median Income (links to PDF). *Opportunities may be limited based on availability in the 60-80% range
  • Budget: Mortgage payments will be no more than 30% of the gross monthly income of the applicant(s).  Total debt to income ratio must not exceed 40%. 
  • Delinquent Debt: All delinquent debt must be paid off before application approval.
  • Outstanding Debt: Total debt to income ratio must not exceed 40%.
  • Credit Score:  Habitat for Humanity of York County does not require a minimum credit score for approval.
  • Bankruptcy: Must wait 7 years after being discharged and reestablishing good credit to apply.

getting started

For more information, please attend an orientation session. 

Application Steps

  1. 1 Information Session
  2. 2 Submit an Application
  3. 3 Income & Credit Report
  4. 4 Background Check
  5. 5 Sign Documentation

Step 01

Information Session

All interested individuals are invited to attend a mandatory program information session and will receive the program application packet required to move forward in the process.

Step 02

Submit an Application

Submit a completed application within 60 days of attending an information session

  1. Completed application with all required documentation
  2. Two recent months of paystubs (and/or proof of any other stable income)
  3. $25 application fee.

Step 03

Income & Credit Report

Applicant income is calculated and credit report pulled to assess debt and collections.
Applicants will receive a letter moving them to Step 4 or an invitation to schedule a file review with Habitat staff.

Step 04

Background Check

Applicant criminal background, employment history and rental history are verified.

Step 05

Sign Documentation

Applicants that are approved for the Homebuyer-in-Process training must sign a Homebuyer-in-Process agreement.

Program Applicants

Program applications can be submitted in person to the drop box located inside the Rock Hill ReStore door  Tuesday-Saturday 10 a.m.-5 p.m. They can also be submitted by mail to

Habitat for Humanity of York County
Attn: Homeowner Services
P.O. Box 4255,
Rock Hill, SC 29732

Financial Capability Workshops

Oct 19

Financial Capability Workshop – York

6:00PM - 7:30PM
York, SC

Learn More