The Homebuyer Program Application Cycle is Now Open!
Habitat now Accepting Pre-Applications for ONE Recycled home in Big Coppitt Key
This is a 3 bedroom, 2.5 bathroom home built in 2010. It is located in our established neighborhood; Bayside Landing. This application cycle is only for this ONE house.
Pre-Applications open 3/1/2026 and close 4/1/2026.
Full Applications are available 3/5/2026 until 4/15/2026.
The Pre Application:
The first thing you need to do is submit the Pre-Application form, which is a self-assessment of financial status and family make-up. Please allow up to 3-5 business days for your Pre-Application to be reviewed. If you are accepted, you will receive instructions with the Full Application.
You MUST fill out the Pre-Application to get the Full Application.
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Habitat’s Path to Homeownership
3/1/2026-4/1/2026: Pre-Qualification Form: Fill out form online or fill out printed form and send/drop off to the Habitat office. Gather the documents listed on the Document Checklist needed for full application. Once you have been selected based on your Pre-Qualification, you will be able to fill out the Full Application within 3-5 business days
3/5/2026-4/15/2026: Full Application: Fill out Full Application and deliver/send to Habitat office with copies of all required documents. Turn in as soon as possible to make sure you have everything. Reach out if you need help, we are happy to assist you. You must turn in all required documents with the Full Application or it will be considered incomplete.
Financial, Credit, and Background Evaluation: Habitat’s qualified loan originator will review your application, analyze your financial circumstances, and perform credit and background checks.
Home Visit: As soon as your application has been reviewed, you will be asked to host a home visit from two members of our Homeowner Selection Committee so they can see where you are living now.
Family Selection Committee Evaluation: After all home visits are complete, the Family Selection Committee evaluates all applicants on the basis of the 3 requirements: need for housing, willingness to partner with Habitat, and ability to pay the mortgage.
Board Evaluation: Once the Family Selection Committee has made their evaluations, all identifying information is redacted from the applications and they are sent to the Habitat Board of Directors for the final selection and approval.
Partnership Agreement: The selected families review and sign the partnership agreement and start planning their homeownership journey.
Sweat Equity & Education: The real work begins! Families will work on completing their sweat equity hours (200-300 hours) and their homeowner education classes.
Final Review: Families will have a final financial review before they close on their homes.
Closing: Once the Certificate of Occupancy has been received for the homes, families will meet with a closing attorney to sign the mortgage documents and close on their homes.
All dates are approximate and subject to change.
Household Size
One Person
Two People
Three People
Four People
Five People
Six People
2025 Monroe County SHIP Income Limits
Based on the Area Median Income:
To qualify for a Habitat Home, your income should be in the 80% Area Median Income range. Find your family size on this chart. The income associated with that family size is the maximum income limit.
Max Income
$73,000
$111,200
$125,133
$139,000
$150,133
$161,267