Adjust Ban Book Bookmark Calendar Car Church Checked Circle Outlined Clock Close Coffee Equal Housing Opportunity Exclamation Facebook Female Flag Gift Globe Graduation Grid Hammer Hand Heart Habitat for Humanity Charlotte Habitat for Humanity Charlotte - Julia's Cafe & Books Habitat for Humanity Restore Charlotte Habitat for Humanity - Young Professionals House Instagram Leaf Line Chart LinkedIn Habitat for Humanity Restore Megaphone Menu Mobile Pencil Recycle Search Star Suitcase Tags Twitter Users Wrench YouTube Envelope


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 $20,950 $41,880
2 $23,950 $47,880
3 $26,950 $53,880
4 $29,900 $59,820
5 $32,300 $64,620
6 $34,700 $69,420
7 $37,100 $74,220
8 $39,500 $79,020


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.  The application cycle CLOSED August 25, 2023.

Click HERE to download the application.



Homeownership Presentation