Homebuyer Resources

Are You Interested In Buying A GROWTH Home?

Here Are A Few Things You Need To Know…

GROWTH helps low- and moderate- income (LMI) persons or families become homeowners.

Assuming you can obtain a mortgage, there are two ways to qualify:

    1. If the property is in a Low-or-Moderate census tract, almost anyone can qualify. If the property is in a Mid-or-Upper census tract, you need to meet our income requirements and follow option #2, below. You can find census tract information for your property of interest by entering the address here: geomap.ffiec.gov
    2. To qualify for a Mid-or-Upper census tract property, your annual household income must be no more than 80 percent of the area median income for the Metropolitan Statistical Area (MSA), where you intend to live. Multiply 80% x your region’s Area Median Income (AMI) or see the chart below or click here: ffiec.gov

STATE MSA (Income Guidelines) 2018 AMI Median Family Income Moderate  80% AMI
AL Birmingham – Hoover $69,400 $55,520
DC Washington-Arlington-Alexandria, DC-VA-MD-WV MSA $114,900 $91,920
DE Dover $70,400 $56,320
DE Smyrna $87,900 $70,320
DE Wilmington, DE – MD – NJ $87,900 $70,320
FL Jacksonville $69,900 $55,920
FL Orlando – Kissimmee – Sanford $62,900 $50,320
FL Tampa – St. Petersburg – Clearwater $63,900 $51,120
IL Chicago – Naperville – Arlington Hts. $82,400 $62,000
NJ Jersey City, N. Arlington. E. Rutherford $78,000 $62,400
NJ East Orange $100,700 $80,560
PA Pittsburgh MSA $75,500 $60,400
GA Atlanta $74,400 $59,520
OH CINCINNATI, OH-KY-IN MSA $77,000 $61,600
OH Cleveland $70,700 $56,560
OH Akron $73,200 $58,560
OH Dayton $65,700 $52,560
MD Baltimore-Columbia-Towson MSA $94,900 $75,920
MD Silver Spring-Frederick-Rockville MSA $118,700 $94,960

For help connecting with your area Housing Counselor,
call us toll free at 888-464-8188

 Or, fill out the form on this page and we will contact you.


GROWTH will connect you with your local housing counselor...

  • We will help you find a local housing counseling partner in your area who will work with you in more detail to identify your housing and financial goals.
  • If your housing counselor determines you’re ready to buy, you’ll be referred to a GROWTH REHAB-TO-SALE program, through which you’ll complete a HUD-certified homebuyer education course while helping you identify your future home.
  • Should your housing counselor determine that you require a little bit more time before you will be ready to formally purchase a new home, they will refer you to the GROWTH LEASE-TO-OWN program. Through this program you will begin financial and housing counseling while we work together to identify an affordable home you would like to lease and the have the option to purchase at anytime during the lease period.


Homebuyer Sign-up

Name (required):

Phone (required):

Email (required):

Street (required):

City (required):

State (required):

How did you hear about GROWTH?*

Thanks to Our Valuable Partners