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Need for Housing
  • Living in overcrowded housing
  • Living in substandard housing
  • Being a resident of public housing
  • Paying more than 30% of gross income on rent
  • Does not own a home at time of application
  • Unable to qualify for a conventional mortgage 
Ability to Pay
  • $1,200 or less in total charged off accounts and non-medical collections. 
  • Medical collections less than 3 years old have total balances that do not exceed $2500. 
  • Medical collections 3-7 years old have total balances that do not exceed $7500. 
  • Any applicant who has filed bankruptcy must have been charged off for no less than two years.
  • Repossessions must be at least 18 months old at time of closing.
Willingness to Partner
  • Household willing to perform a minimum of 250 Sweat Equity hours per adult
  • Have lived or worked in Cabarrus County for the last year
  • Committed to a drug-free community and no serious criminal history
  • Applicants must be legal U.S. residents
income requirements
 Family Size Minimum Income Maximum Income
1 $17,580 $35,160
2 $20,070 $40,140
3 $22,590 $45,180
4 $25,080 $50,160
5 $27,090 $54,180
6 $29,100 $58,200
7 $31,110 $62,220
8 $33,120 $66,240


getting started

Applications may be picked up at the Habitat Cabarrus office or ReStore at any time. Applications are ONLY accepted during advertised dates of open application cycles.


next application period

We are not accepting applications at this time.

email me a reminder

Application Steps

  1. 1 Attend an Information Session
  2. 2 Request An Application**
  3. 3 Income & Credit Report
  4. 4 Complete Documentation
  5. 5 Background Check
  6. 6 Visit & Interview
  7. 7 Pre-Approval

Step 01

Attend an Information Session

Attend a mandatory 1-hour session to learn how you could own your very own home!

*Our info sessions are now virtual.

Check back soon for our next available information session.

Step 02

Request An Application**

Fill out the application packet carefully and submit all required documentation:

  1. Completed application
  2. Required documents
  3. $10 per applicant
  4. Click here for an application in English
  5. Click here for an application in Spanish
  6.  Are you ready to turn in your Application for Homeownership? Please come to the appointment with your completed application and ALL of the requested documents.

**Applications are ONLY accepted during advertised dates of open application cycles.

Note: Veterans of the U.S. Armed Forces are able to request and submit an application at any time. To do so outside of the open application period, please email

Step 03

Income & Credit Report

Habitat Cabarrus calculates your income and pulls a credit report. If income and credit meet our requirements, you will be invited to participate in step 4.

Step 04

Complete Documentation

Submit all items requested in the documentation packet by the deadline provided.

Step 05

Background Check

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

Step 06

Visit & Interview

Two members of the Homeowner Selection Committee will contact you to set up a time to visit and interview at your current residence.

Step 07


Pre-approved applicants begin Homeowner-In-Process training, which includes attending mandatory homeownership classes and completing the required number of Sweat Equity hours.