Application Process

Working through our multi-step process will empower you and provide you with guidance and support toward becoming a successful home owner.

Am I Eligible to Apply for Habitat’s Home Ownership Program?

If you can answer yes to the following questions then you might be eligible:


Have you lived and/or worked in Dorchester or Talbot County for at least six months?


Do you currently live in housing that is overcrowded, in disrepair, subsidized or too costly?


Are you willing to partner with Choptank to complete 300-400 hours of Sweat Equity, save $4,500 for costs at settlement, attend life skill seminars, and work openly and honestly with a Habitat volunteer sponsor?


Have a gross monthly household income between:


Minimum – Maximum:  $2,505 – $4,653


Minimum – Maximum: $2,706 – $5,025


Minimum – Maximum: $2,906 – $5,397


Minimum – Maximum: $3,107 – $5,770



Minimum – Maximum: $3,307 – $6,142


What is the Application Process?

Complete a pre-application screening questionnaire online or contact the Habitat Choptank office. We will need to verify your income.

Complete Online!

If you meet the preliminary criteria, you will be invited to an application/ orientation session.  Completing an application will include credit and criminal background checks along with employment and income verification.  Names are also screened against the National Sex Offender Public Registry.

After you have successfully completed the application orientation and screening, Habitat representatives will visit you in your home.

If your application meets the application criteria, it will be presented for approval to Habitat Choptank’s Family Selection Committee and then to the Board of Directors.

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