Before You Begin: Please Review the Following Eligibility Guidelines
1. Community Commitment and Homeownership Goals
Eureka Oaks is designed for individuals and families who work hard, contribute to the Calaveras County community, and face challenges finding an affordable path to homeownership.
2. Household Income and Financial Readiness
The program is generally intended for households with a combined annual income of approximately $70,000–$80,000. Households with lower incomes may also be considered, particularly those with sufficient savings to contribute toward a down payment and other homeownership expenses.
3. Housing Need and Partnership Commitment
Applicants must demonstrate a need for affordable housing, the financial ability to qualify for and maintain mortgage payments, and a willingness to partner with Habitat for Humanity Calaveras throughout the homeownership process. This partnership includes completing 250 partnership hours as part of the program.