Qualififications
- A household’s gross income (before taxes) must be between 40% to 80% of the Area Median Income (AMI) for our geographical area which is based on HUD guidelines, adjusted annually. Here are the H.U.D. numbers for 2025. 2026 is released in April.
- Current housing must be insufficient due to overcrowding, temporariness, defective and unsafe conditions, or other reasons.
- Applicants may be paying significantly more than 30% of their gross income for rent.
- Must have lived or worked (on-site work not remote*) in the affiliate service area for the previous 12 months *Worker must show proof that they lived in the HFHCL service area while working the remote position.
- Citizen or permanent resident
How do I apply?
The process begins with a Pre-Application that opens when we have homes in process.
Currently the Pre-Application process is currently closed.
How do I find out when Homeownership Program is open?
- Subscribing to our monthly newsletter
(you can subscribe at the bottom of this or any other page) - Checking our website regularly
- Local newspapers such as the The Chronicle
- Radio stations
- Often times we send notices to employers, please ask your HR representative (if they are unaware, have them contact us at 541-741-1707)
Area Median Income
The Area Median Income (AMI) is calculated by the federal agency Housing & Urban Development also known as H.U.D. These numbers change every year and are made public each April. Here are the current numbers as calculated by H.U.D. (these were released in April of 2025)
| Household Size | 40% of Median HUD Income | 80% of Median HUD Income | HUD Median Income |
| 1 | $ 25,680 | $ 51,360 | $ 64,190 |
| 2 | $ 29,360 | $ 58,720 | $ 73,360 |
| 3 | $ 33,040 | $ 66,080 | $ 82,530 |
| 4 | $ 36,680 | $ 73,360 | $ 91,700 |
| 5 | $ 39,640 | $ 79,280 | $ 99,036 |
| 6 | $ 42,560 | $ 85,120 | $ 106,372 |
| 7 | $ 45,520 | $ 91,040 | $ 113,708 |
| 8 | $ 48,440 | $ 96,880 | $ 121,044 |
Table Effective April 01, 2025.
NOTE: For FY2025, HUD has implemented geographic area definition changes as determined by the Office of Management and Budget (OMB). The above table is calculated for Oregon, Lane County, Springfield/Eugene Metropolitan area and surrounding communities.