If you’re purchasing a deed-restricted property, you will need to qualify through the SCHA.

One of the most common questions we’re asked is a list of income or work limits of deed restricted properties.  Unfortunately, there is not an easy answer to this because each property has its own restrictive covenant and terms.  The best way we can serve you is for you to submit an application so we can review your individual situation once we have all of your information.

We have included our online SCHA Buyer Application below, you will need to have a property identified before applying. SCHA cannot process applications without a specific property address.

You may also want to have the following documentation handy before beginning your application:

  • Two most recent paystubs
  • Prior year W-2 (income verification only)
  • Prior year federal tax returns (income verification only)
  • First-time homebuyer class certificate (first-time homebuyers only)
  • Lender prequalification or preapproval letter obtained within the last 30 days of submitting application – due to fluctuating interest rates

The application will walk you through any other documentation you may need.

Our system will not accept applications that do not have a property address. Please wait to apply until you have identified a property.

  • SCHA Buyer Application – 
  • Verification of Employment
    • This Form Must Be Completed By the Human Resources Director, General Manager or Business Owner for all W2 employment positions (seasonal included). If not received, application will be considered incomplete.
    • This form is only valid for 60 days after the dated signature on page 2. After this date a new form will need to be completed.