How Does Habitat Homeownership Work?
Habitat provides homeownership opportunities to hardworking families who are unable to purchase a home of their own.
- Habitat homeowners purchase their home directly from Habitat for Humanity of Ventura County through a zero-interest loan.
- All Habitat homeowners are required to invest 250-500 hours of sweat equity during the construction of their home and the homes of other Habitat families.
- Habitat homeowners build equity through owning their own home.
- Homeowners’ monthly mortgage payments are used to build more Habitat homes!
How Can I Qualify?
Applicants must meet one or more of the following housing situations to qualify: 
- Living in substandard housing – structurally unsound or dilapidated housing; broken plumbing; faulty wiring, poor heating, leaking roof, etc.
- Cost-Burdened – rental payments are 33% or more of your total income.
- Overcrowded – adult and child/children share a bedroom; more than two children share a bedroom; two children of opposite sexes share a single bedroom.
Applicants must also meet the following requirements:
- Legal U.S. Resident and resident of Ventura County for at least one year
- Demonstrate stable income
- Able to afford a monthly mortgage payment
- Unable to qualify for a conventional mortgage.
- Earn between 30% and 50% of the Ventura County’s median household income (see income grid below).
- Willing to complete 250-500 hours of sweat equity, partnering with Habitat and volunteers to help build your home and other Habitat homes; participate in homeowner education classes.
Where Do I Begin? When funding is secured for more homes, families interested in homeownership must attend a Habitat Homeownership Orientation. Applications are only distributed at these orientation sessions.
When are the next orientations?
There are no orientations scheduled at this time.
The HUD median household income for Ventura County is $89,300. Applicants must be within 30% and 50% of Ventura County’s median income, as shown below:
| Family Size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
| Minimum Income 30% |
$18,800 | $21,450 | $24,150 | $26,800 | $28,950 | $31,100 | $33,250 | $35,400 |
| Maximum Income 50% | $31,300 | $35,750 | $40,200 | $44,650 | $48,250 | $51,800 | $55,400 | $58,950 |
Source: http://www.huduser.org/portal/datasets/il/il12/index.html
HUDUSER.ORG FY 2012 Income Limits for the Oxnard-Thousand Oaks-Ventura MSA
Resale Restrictions: These restrictions provide rights to the city of Oxnard in regulating the sale and transfer of the subject property for a period of thirty (30) years from the date of the first sale of the affordable housing unit, including an option to purchase the property.
Habitat for Humanity is pledged to the letter and spirit of US policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there is no barrier to obtaining housing because of race, color, religion, sex, handicap, familial status or national origin.
Habitat está asociando con la ciudad de Oxnard para construir dos casas a 271 y 281 Stroube St., Oxnard. Las casas son de un piso con 4 recámaras.
Debe ser un residente legal de los EEUU y residente del condado de Ventura por el año pasado.
El ingreso mediano de HUD para el condado de Ventura es $89,300. La familia debe estar entre 30-50% como abajo:
| Miembros de familia | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
| Mínimo ingreso 30% | $18,800 | $21,450 | $24,150 | $26,800 | $28,950 | $31,100 | $33,250 | $35,400 |
| Máximo ingreso 50% | $31,300 | $35,750 | $40,200 | $44,650 | $48,250 | $51,800 | $55,400 | $58,950 |
Source: http://www.huduser.org/portal/datasets/il/il12/index.html
HUDUSER.ORG FY 2012 Income Limits for the Oxnard-Thousand Oaks-Ventura MSA
Calificaciónes generales:
El comprador eligible debe:
- Asistir una orientación a punto con todos los adultos que van a vivir en la casa
- No tener interes financial en una casa hacia tres años
- Ser un residente legal de los EEUU.
- Estar viviendo actuamente en una vivienda inferior de la norma—daños estructurales, mala ploméria, mala instalación de alambres, tantos habitantes, etc.
- Ser capaz de pagar un desembolso iniciál de $750, y una hipoteca de $900 mensual
- Tener la disposición de asociarse con Habitat—250-500 horas de trabajo, asistir clases de
- Compañeros de las Familias, cooperar con los empleados y voluntarios de Habitat
- Traer los documentos—copias de W2, cuenta de ingreso final anual o recetas de agencias oficiales.
Restricciónes de reventa: Estas restricciónes proporcionan los derechos a la ciudad de Oxnard, la Agencia de Desarollo de la Comunidad de Oxnard a regular la venta y la transferencia de la propiedad sujeta por un período de treinta (30) años de la fecha de la primera venta de la vivienda económica, inclusive una opción de comprar la propiedad.
Somos prometidos letra y espíritu de la política de EEUU para el logro de la oportunidad igual de vivienda a través de la nación. Nosotros alenta y sostiene una programa afirmativa commercial y de publicidad en que no hay barrera a obtener vivienda a causa de la carrera, el color, la religión, el sexo, la desventaja, la posición familial, ni el origen nacional.
Habitat for Humanity of Ventura County | 121 S. Rice Ave | Oxnard CA 93030
Administrative Office: 805-485-6065 | info@habitatventura.org
Habitat ReStore: 805-981-2268 | restore@habitatventura.org | Tues-Fri 9-5, Sat 8-4
