As we continue to evaluate the best ways to serve our community during the ongoing pandemic, NOAHH has made the difficult decision to pause intakes for our First-Time Homebuyer Program and A Brush With Kindness home repair program. Meeting the need for affordable housing remains our focus. Our construction team is still building and our Family Services department is still working hard to meet the needs of those currently in our programs. We look forward to reopening these services soon. Thank you.

Do you qualify for a home through New Orleans Area Habitat for Humanity?

We’re here to help you find out.


Need for Housing

icon_house You will be considered for a Habitat home if your current housing is not adequate to your needs and if you are unable to obtain adequate housing through other conventional means.

Lack of adequate housing may include problems with the present structure of your home (cracks in the foundation, leaking roof, vermin problems); problems with your water, electrical or sewerage service systems; problems with your heating system; hazardous substances or failure to meet city property maintenance standards. You may also meet the need for housing qualification if you are living in an overcrowded or unaffordable situation.

If you are living in transitional or subsidized housing, such as Section 8, you may qualify. Though your Section 8 voucher will not apply to your mortgage, we will make sure your payments do not exceed 30% of your income, which is similar to how Section 8 vouchers work.

Ability to Pay

icon_money As you will be buying your house from Habitat, you must show an ability to pay the monthly mortgage payment on your home. This monthly payment includes principal, real estate taxes, insurance payments, and a termite contract. We will help you to determine if this payment will make it harder to meet all your other family financial obligations and expenses.

Partner families must save $150 a month in escrow during their partnership to cover their first year of payments on their new home. The total amount is due at closing.

Family Income

icon_calendar You must have at least two years of stable income coming into your household. We can include non-work related income such as food stamps, disability payments, Social Security, etc. as stable income if you can guarantee you will receive that income for the next two years. The minimum required income before taxes for a family between one and six people is $1,700 per month, or $20,400 per year. For information on the maximum income per family size, please call our homeowner hotline at 504-609-3340.

Credit Check

Untitled-4 All applicants will undergo a credit check. Because we are interested in your access to homeownership, we are not as strict in your credit review as a bank might be. If there has been a bankruptcy in your past, it needs to be discharged for at least two years and you must demonstrate improved credit since then. If you have a court judgment resulting in a fine or settlement that is still unpaid, the judgment must be paid off in full. You must have less than $2,000 in past due debt to move forward in the application process. We do not count medical debt that is 18 months or older.

Willingness to Participate as a Partner with Habitat

icon_hammer Once you have been selected to being the homeownership program, you become a “partner family.” This partnership is a unique characteristic of our program where you work volunteer hours known as “sweat equity.” This means that you and/or your family is responsible for completing 350 volunteer hours with New Orleans Area Habitat for Humanity in place of a down payment. Partner families work sweat equity at our ReStores, working on other Habitat homes, taking homeownership classes, and finally, working on their own home. You do not need construction skills–we will teach you as part of the process.


If you meet our criteria and would like more information:

  1. You may complete an Online Family Services Form to start the application process. You will be contacted after filling out the form to schedule an intake meeting.
  2. Call in to schedule an appointment! You can schedule an intake meeting with one of our Family Services Case Managers by calling the Homeowner Hotline at (504) 609-3340. If you filled out the form above with your contact information and sent it in, our Family Services representatives will contact you to schedule a meeting.

Next Steps:

  1. Our Family Selection Committee will review your application and conduct a home visit. The committee will approve or disapprove the application or offer recommendations for improving your finances.
  2. Once approved, you will be asked to sign a Partnership Agreement.
  3. You then will start working sweat equity hours.
  4. Once your and/or your family complete 50 sweat equity hours, you will be eligible to see the list of lots available for construction and choose the one where your home will be built.

Take a Quiz on Our Homeownership Program

Did everything above this make sense? Want to see how well you understood it? Try out this quiz!

NOTE: This quiz is not a required part of our homeownership program. It is intended only to help you understand the information on this page.


True or false: New Orleans Area Habitat for Humanity gives homes away for free.

Sweat equity is when a partner family volunteers with New Orleans Habitat as part of the homebuyer program. Every partner family volunteers in the Restore, on the build site, and on their own home. How many total hours of sweat equity are required in our program?

Besides volunteering on site or in the ReStore there are other ways to earn sweat equity hours. Which of the following is NOT a way to earn sweat equity?

Area Median Income (AMI) is a number set by the Department of Housing and Urban Development. Which of these best describes AMI?

Which of these does NOT qualify as a "need for housing"?

New Orleans Habitat does not count medical debts that are older than how many months?

What is the minimum monthly income you need to make to qualify for the program?

At the end of your partnership, New Orleans Habitat will sell you a home with a monthly payment that will be equal to or less than what percentage of your monthly income?

True or false: I can NOT use my Section 8 voucher to pay my mortgage.

1 out of 2

I don't know if I meet the above qualifications. Should I still call to find out?

2 out of 2

It's easy to start your application. You can call 504-609-3340, email, OR fill out this form to start your journey to homeownership.



fairhousingWe are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, national origin, age, marital status, sexual orientation, or sources of income.