Autauga HUD Income Limits 2018                                                        Chilton HUD Income Limits 2018
1  Person household income      $13,000 --  $25,080                           1  Person household income      $13,000 --  $22,140
2 Person household income      $14,340 --  $28,680                            2 Person household income      $13,000 --  $25,320
3 Person household income      $16,140 --- $32,280                            3 Person household income      $14,250 --- $28,500
4 Person household income      $17,910 --- $35,820                            4 Person household income      $15,810 --- $31,620
5 Person household income      $19,350  –  $38,700                           5 Person household income      $17,100  –  $34,200
                                                           **Income Limits subject to change**

             Documents you will need

• Photo I.D. (government issued) Applicant and Co-Applicant
• Birth Certificate OR Social Security Card, I-551, passport of all residents
• Most current 2 months of income for the household (include  legal papers of: child support, alimony, Social Security, SSI, Disability, & other income)
• Most current 2 months of debt (car, furniture appliance loans, credit cards, etc.) 
• Most Current 2 months of utility bills (electric, gas, water, cable, phones, insurance
• Most current rent payment
• Most current 2 months of bank or credit union statements
• Marriage certificate OR Divorce Decree OR Separation Agreement
• IRS tax returns for last two years (for each adult)
• Name, address and phone number of employer(s) and landlords

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Minimum Qualifications

Residency:  You must live or work in Autauga or Chilton Counties for at least 9 months before applying.  You must be a U. S. Citizen or a permanent resident.
Need:  If the home your are living in:

• is structurally unsafe
• has electrical, plumbing or unsanitary conditions
• has crowded living conditions
• used 30% or more of income for housing
• is not properly suited for a disabled person

Ability to Pay:  If you do not qualify for other home loans and your income falls within HUD guidelines, you may qualify to apply.  You must also have:

• steady monthly income
• decent credit report of about 550

Willingness to Partner:  Sweat Equity hours will be required before moving into your home. 

• A married couple, not disabled, must complete 400 hours. 
• A married couple, disabled, must complete 200 hours.
• A single, not disabled, must complete 200 hours.
• A single, disabled person, must complete 100 hours.

If you are selected, you must agree to a monthly down payment of 2% of your income until you move in.

**Habitat does not charge interest on their loans. 
***If you are a registered sex offender, had a drug conviction in the past 3 years or are in current bankruptcy, we are unable help you at this time.