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How do you qualify for the Section 8 homeownership program?

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The Section 8 mortgage assistance program, also known as the homeownership program, has a set of requirements that applicants must meet in order to qualify.


While each participating PHA can set limits on the size and purpose of the voucher, applicants must meet these general requirements:

  • The applicant must be eligible for the Housing Choice Voucher Program.
  • The applicant must be a first-time homeowner.
  • The applicant must meet income limits by household size. 
  • At least one member of the family must currently have full-time employment or had it continuously for one year prior to receiving assistance. This excludes the elderly and disabled.

Additional Section 8 mortgage assistance requirements include attending homeownership counseling, having no ownership interest in a residential property and no default history for a mortgage.

If applicants have a home already in mind, the home must meet housing quality standards to qualify.

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