To qualify for this workforce housing community, prospective buyers first will need to qualify with the Palm Beach County Department of Housing and Economic Stability. It is a relatively simple process that requires a commitment to follow each step in the approval process. 

Potential buyers must meet the household income range in the table below. Buyers also must contribute a minimum percentage of the sales price as their earnest money deposit. Homes at Carver Square are currently subject to a proposed 40-year deed restriction as currently required by the City of Delray Beach. In addition, these homes are part of the Palm Beach County Workforce Housing program which carries a 15-year restriction. Both restrictions will require annual reporting and limitations on future sales. 

Household
Income Range
WHP 1 Low
Income
(51% – 80% AMI)
$48,120 – $64,160
WHP 2 Moderate-1
Income
(80% – 100% AMI)
$64,160 – $80.200
WHP 3 Moderate-2
Income
(100% – 120% AMI)
$80,200 – $96,240
WHP 4 Middle
Income
(120% – 140% AMI)
$96,240 – $112,280
2020 Sales Price $166,110 $213,570 $261,030 $308,490
Floorplan Single-Family / 1-Story / Browning Single-Family / 1-Story / Chapman Single-Family / 2-Story / Hamden Single-Family / 2-Story / Thompson
A/C Square Footage 1,447 1,662 1,822 2,386
Number of Units 5 5 6 4
Required Down Payment 2.5% 3.5% 3.5% 3.5%

To qualify for and buy a workforce housing home in Carver Square:

Attend Orientation Meeting Held by Palm Beach

You must attend an orientation meeting conducted by Palm Beach County’s Department of Housing and Economic Sustainability. These meetings are held monthly, and currently via WebEx.

Click here to register for an orientation meeting

Meet with Palm Beach County Workforce Housing Program

Meet with Palm Beach County Workforce Housing Program (WHP) to complete application. For this meeting, the following documents are required to certify income and determine eligibility: 

  • Form 1003 (received after attending the orientation meeting)
  • Form 1008 (received after attending the orientation meeting)
  • Buyer(s) driver license or state-issued identification
  • Most current 30-day paystubs
  • Most current two months bank statements
  • Pre-approval/prequalification for first mortgage (if available). WHP buyers are required to have a 30-year, fixed-rate first mortgage.

The documents provided will be used to determine a household’s eligibility for the workforce housing program, and financial assistance eligibility. For more information about this step, contact Verna Jackson (561-233-2064, or vjackson@pbcgov.org), or Tyrone Jacobs Jr. (561-233-2066, or tjacobs@pbcgov.org).  

Secure a 30-year, fixed, first mortgage approval from a lender

You may use any bank or lender of your choice for the mortgage financing, but make sure they understand Palm Beach County’s workforce housing program guidelines.  During the orientation meeting (Step 1 above), you will be introduced to lenders who specialize in workforce housing program financing.

Register for an Intake Appointment

As soon as you receive a pre-approval letter from your lender, you may register for an “intake appointment” with Palm Beach County staff.  Booking is through Verna Jackson (vjackson@pbcgov.org or 561-233-2064), or Tyrone Jacobs Jr. (tjacobs@pbcgov.org or 561-233-2066). You will be asked to provide paperwork before attending the intake appointment. 

Become an Eligible Buyer

During the intake appointment, county staff will determine if assistance is needed, and provide a workforce housing program certificate and award letter (which is valid for 24 months from the approval date). With these two documents, you now are eligible to buy a Pulte Workforce Housing Unit at Carver Square.

Find your home in Carver Square

With award letter, mortgage pre-approval letter and proof of funds for required down payment, check the Carver Square website for updates as to when homes will be released for sale. Advanced notice will be provided. Submit offer following instructions provided. Review pricing and write a contract to purchase your new home.

Attend a Homebuyer Education Training

Before you close on your new home at Carver Square, you must attend an eight-hour homebuyer education training through a Housing and Urban Development (HUD)-approved or NeighborWorks-approved housing agency, after which you will receive a certificate of completion that is valid for one year. 

Walk-through and Closing

Pulte will schedule a walk-through of your new home prior to closing. Once your walk-through is complete, you will be approved to close on your new home.

Becoming an eligible buyer and obtaining a workforce housing program certificate and award letter do not guarantee the ability to purchase a home at Carver Square.