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Homeownership in West Grove

The West Grove Application is now available on our website and will remain open until all 5 homeowners have been approved.

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About our Homeownership Program

Habitat for Humanity of Chester County works in partnership with the USDA, volunteers, donors, and the entire Chester County community to build simple, decent, homes that are affordable for low-income families.

 

Habitat homes are not free; homeowners will have a 502 loan with the USDA. Interest rates will depend on market value, but are significantly lower than traditional lender rates. There is a second mortgage with Habitat for Humanity that is not paid until the homeowner sells their home.

 

We ask each adult partner family member to complete at least 50 hours of “sweat equity” helping to build their neighborhood or other Habitat for Humanity Homes.

We are currently looking for partner families for 5 townhomes we are getting ready to build in West Grove.

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**Please note that the application process for our West Grove properties is a partnership between Habitat for Humanity and the USDA and is NOT the same process. ​

To qualify for our program:

  • Household income cannot exceed 80% of the area median income, and the applicant should not be able to get a loan by conventional means. The size of the household determines the income limit. Below are the income limits for Fiscal Year 2025​

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  • ​​​​​​​​​​​​​​​​​​​​Hold US citizenship or permanent resident status

  • Must be approved for a minimum $200,000 mortgage with the USDA

  • Unable to purchase a home through any other means

  • Must have a fairly clean credit report or be able to speak to any damaging items on the report

  • Applicants should access their free credit report at www.annualcreditreport.com and contact a credit counselor to clear any negative remarks

  • Credit score needs to be around 640 or higher

  • No bankruptcies allowed in the past 7 years

  • The household debt-to-income ratio should be 41%  or less

  • No outstanding liens or judgments

  • No felonies present on a nationwide background check

  • Agree to complete a minimum of 50 hours of volunteer time (known as “Sweat Equity”) before closing on your home

  • Agree to complete a series of homeownership workshops

  • Agree to maintain your Habitat home in a manner that reflects pride in homeownership

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Take a virtual tour of a home in Fuller Meadows!
Located at 121 South Guernsey Road West Grove, PA 19390

Interest Form

If you would like to receive updates on the application deadlines and homeownership information, please fill out the form below. This is not the same as submitting an application for housing.

Is your credit score above a 600?
Yes
No
Do you live or work in Chester County? *
Yes
No
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Questions?

Questions?

Contact Brooke Seeger
Community Program Director
brooke@hfhcc.org
610-384-7993 ext. 115

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We 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, or national origin.

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