AFFORDABLE HOME OWNERSHIP - AFFORDABLE HOUSING | HABITAT FOR HUMANITY MONTEREY BAY
Resource Name:AFFORDABLE HOME OWNERSHIP - AFFORDABLE HOUSING | HABITAT FOR HUMANITY MONTEREY BAY
AFFORDABLE HOME OWNERSHIP - AFFORDABLE HOUSING
address
555 Main Street, Watsonville, CA 95076
Eligibility
-Open to low-income, first-time homebuyers earning between 50% and 80% of the Area Median Income (AMI).
-Must have had no ownership interest in a principal residence during the last 3-year period.
-Requires a minimum credit score of 620 and a debt-to-income ratio below 40%.
-Must have no Chapter 7 bankruptcy within the last 4 years or Chapter 13 bankruptcy within the last 2 years.
-Requires all title applicants to show proof of U.S. legal residency, with at least 1 applicant holding permanent legal residency.
-Requires selected households to contribute 500 hours of sweat equity, a $1,500 down payment, and closing costs.
-Serves residents of Santa Cruz County and Monterey County.
Hours
Mon 10am - 4pm
Tue 10am - 4pm
Wed 10am - 4pm
Thu 10am - 4pm
Fri 10am - 4pm
Sat 10am - 4pm
Sun 10am - 4pm
(831) 469-4663
Voice
·Main | Main Number
Languages
English
Application process
Applicants must attend an orientation session, announced prior to a new homes construction.
Then complete full application once deemed program eligible.
Fees
Fees vary based on services
Service area
Santa Cruz County, California
Provides affordable homeownership opportunities, home rehabilitation, and accessory dwelling unit (ADU) construction services.
Builds homes in partnership with community volunteers and future homeowners using donated materials and professional labor to establish permanently affordable housing.
Resells properties to qualifying families at a principal price to maintain long-term regional affordability.
Last assured
08/07/2026
What's Here
Providing organization
HABITAT FOR HUMANITY MONTEREY BAY
A non-profit housing organization that builds affordable homes and provides homeownership opportunities for low-income families.