Frequently Asked Questions


    • What are the income guidelines?

      Family Size - Maximum Yearly Income
      1 - $37,600
      2 - $43,000
      3 - $48,350
      4 - $53,700
      5 - $58,000
      6 - $62,300
      7 - $66,600
      8 - $70,900


    • Does Tulsa Habitat give away homes?

      We do not give away homes - Tulsa Habitat homeowners pay a mortgage like any other homeowner. Rather, we build safe, quality, and affordable homes for those who cannot afford the traditional path to homeownership. Through volunteer contributions, donations, and home sponsorships, we are able to offer no-profit, low interest loans to Habitat homeowners.


    • Is Tulsa Habitat part of a church?

      While Habitat for Humanity is a nonprofit, ecumenical Christian organization, Tulsa Habitat is not affiliated with any church. Tulsa Habitat welcomes volunteers and supporters from all backgrounds and also serves people in need of safe, affordable housing regardless of race or religion.


    • How do you determine the need for better housing?

      Unhealthy or inadequate housing comes in many forms. Here are several examples:

      • You are living in temporary housing or are currently unhoused
      • You are paying more than 30% of your monthly income towards rent and utilities
      • There is crime in your neighborhood that makes you feel unsafe
      • There are structural problems where you are living (example: roof or walls are deteriorating)
      • There are problems with your utilities (example: heating or cooling not adequate)
      • There are pests in the house (example: mice or roaches)
      • The space is overcrowded (example: there are many people living in one room)

    • Can I qualify for a Habitat home if I currently own a home?

      To qualify for a Tulsa Habitat home, you must be a first time homebuyer as defined by HUD, meaning you cannot currently own a home.


    • What is “sweat equity?”

      Sweat equity is how Habitat homeowners contribute the construction of their home. By taking courses on money management and home maintence, volunteering, and helping to build their house, Habitat homeowners invest in their home, working side-by-side with Tulsa Habitat.


    • What does the down payment go towards?

      The down payment goes towards some of the closings costs of a home, including homeowners insurance.


    • What makes Tulsa Habitat homes affordable?
      • Community, faith, and corporate sponsorships
      • Individual donations
      • Volunteer labor
      • Grants
      • “Sweat equity” hours contributed by future homeowners
      • An affordable mortgage product
    • What are the income guidelines?

      Family Size - Maximum Yearly Income
      1 - $37,600
      2 - $43,000
      3 - $48,350
      4 - $53,700
      5 - $58,000
      6 - $62,300
      7 - $66,600
      8 - $70,900


    • Does Tulsa Habitat give away homes?

      We do not give away homes - Tulsa Habitat homeowners pay a mortgage like any other homeowner. Rather, we build safe, quality, and affordable homes for those who cannot afford the traditional path to homeownership. Through volunteer contributions, donations, and home sponsorships, we are able to offer no-profit, low interest loans to Habitat homeowners.


    • How do you determine the need for better housing?

      Unhealthy or inadequate housing comes in many forms. Here are several examples:

      • You are living in temporary housing or are currently unhoused
      • You are paying more than 30% of your monthly income towards rent and utilities
      • There is crime in your neighborhood that makes you feel unsafe
      • There are structural problems where you are living (example: roof or walls are deteriorating)
      • There are problems with your utilities (example: heating or cooling not adequate)
      • There are pests in the house (example: mice or roaches)
      • The space is overcrowded (example: there are many people living in one room)

    • Can I qualify for a Habitat home if I currently own a home?

      To qualify for a Tulsa Habitat home, you must be a first time homebuyer as defined by HUD, meaning you cannot currently own a home.


    • What is “sweat equity?”

      Sweat equity is how Habitat homeowners contribute the construction of their home. By taking courses on money management and home maintence, volunteering, and helping to build their house, Habitat homeowners invest in their home, working side-by-side with Tulsa Habitat.


    • What does the down payment go towards?

      The down payment goes towards some of the closings costs of a home, including homeowners insurance.


    • What makes Tulsa Habitat homes affordable?
      • Community, faith, and corporate sponsorships
      • Individual donations
      • Volunteer labor
      • Grants
      • “Sweat equity” hours contributed by future homeowners
      • An affordable mortgage product

    • Is Tulsa Habitat part of a church?

      While Habitat for Humanity is a nonprofit, ecumenical Christian organization, Tulsa Habitat is not affiliated with any church. Tulsa Habitat welcomes volunteers and supporters from all backgrounds and also serves people in need of safe, affordable housing regardless of race or religion.