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What homes are eligible for the Divvy program?

Most move-in ready homes on the market are eligible for the Divvy program, but there are also some specific eligibility criteria.

      Maximum & minimum purchase prices by metro:

      State

      Metro Area

      Counties

      Price Range

      Minimum Monthly Rent 

      Arizona

       

      Phoenix

       

      Maricopa County, Pinal County

      $150 - 575K $1,400

      Colorado

       

      Denver

      Colorado Springs

      Adams County, Arapahoe County, Boulder County, City and County of Broomfield, City and County of Denver, Clear Creek County,  Douglas County,  Elbert County, Jefferson County, Larimer County, Park County,Teller County, Weld County  $310 - 675K $2,150
        Pueblo  Pueblo County $100 - 410K $1,100

      Florida 

       

      Ft. Lauderdale

      Broward County, Martin County, Palm Beach County,  St. Lucie County  $210 - 575K $2,000
       
      Ft. Myers 
      Lee County  $180 - 610K $1,800
        Jacksonville Baker County, Clay County, Duval County, Saint Johns County, Putnam County $90 - 450K $1,100
        Miami Miami-Dade County $240 - 600K $2,000
       
      Orlando
      Lake County, Orange County, Osceola County, Seminole County, Sumter County, Volusia County $160 - 475K $1,400
        Tampa Citrus County, Hernando County, Hillsborough County, Manatee County, Pinellas County, Pasco County, Polk County, Sarasota County $140 - 475K $1,400

      Georgia

       

      Atlanta

      Barrow County, Bartow County, Butts County, Carroll County, Cherokee County, Clayton County, Cobb County, Coweta County, Dawson County, DeKalb County, Douglas County, Fayette County, Floyd County, Forsyth County, Fulton County, Gordon County, Gwinnett County, Haralson County, Hall County, Heard County, Henry County, Jackson County, Jasper County, Lamar County, Meriwether County, Morgan County, Newton County, Paulding County, Pickens County, Pike County, Polk County, Rockdale County, Spalding County, Walton County  $130 - 500K $1,200
        Macon/ Warner Robins  Bibb County, Crawford County, Houston County, Jones County, Monroe County, Peach County $60 - 310K $1,000

      Minnesota

       

      Minneapolis

      Anoka County, Carver County, Chisago County, Dakota County, Hennepin County, Isanti County, Le Sueur County, Ramsey County, Scott County, Sherburne County, Sibley County, Washington County, Wright County $180 - 475K $1,600

      Missouri 

       

      St. Louis

      City of St. Louis,  Franklin County, Jefferson County, Lincoln County, St. Charles County, St. Louis County, Warren County $60 - 375K $900

      Ohio 

       

      Cincinnati

      Brown County, Butler County, Clermont County, Clinton County, Hamilton County, Warren County $70 - 350K $1,000
        Cleveland Ashland County, Ashtabula County, Carroll County, Columbiana County, Cuyahoga County, Geauga County, Lake County, Lorain County, Mahoning County, Medina County, Portage County, Richland County, Stark County, Summit County, Trumbull County (excl Warren, Niles), Wayne County $70 - 300K $900

      Tennessee 

       

      Memphis 

      Chester County, Crockett County, Dyer County, Fayette County, Gibson County, Hardeman County, Haywood County, Lake County, Madison County, McNairy County, Obion County, Shelby County, Tipton County, Weakley County $60 - 400K $900

      Texas

       

      Dallas

      Collin County, Dallas County (excl Balch Springs, Mesquite), Denton County, Ellis County, Hunt County, Hood County, Johnson County, Parker County, Tarrant County (excl North Richland Hills, Hurst), Kaufman County (excl Heartland), Rockwall County, Wise County $170 - 500K $1,600
        Houston Austin County, Brazoria County, Chambers County, Fort Bend County, Galveston County, Harris County, Liberty County, Montgomery County, Waller County $140 - 450K $1,400
        San Antonio Atascosa County, Bandera County, Bexar County, Comal County, Guadalupe County, Kendall County, Medina County, Wilson County $130 - 425K $1,300

       

      Type of home:

      • Single-family and townhomes are great for Divvy
      • The home’s deed must be “Fee Simple” (includes land ownership)
      • New Construction: Divvy does work with new construction homes that are within 90 days of completion 
        • Divvy does require confirmation of building status directly from the builder
        • *With new construction Divvy will ask for the entire deposit that the builder requires (typically ranges $1,000 - $10,000)
        • Your real estate agent and Divvy will work with you through process for this specific type of home if it meets requirements 

      Size of the home:

      • There are no limits or restrictions on the square footage of the home
      • There is an acreage restriction of up to 2 acres of land

      Condition of the home: 

      We want your home to be in great condition before you move in. When home shopping, there are a few warning signs that a home may not be in the best condition and wouldn't pass Divvy’s inspection. Look out for some tell-tale warning signs on the listing: 

      • “Sold As-Is”
      • “Fixer-Upper”
      • “Not Habitable”
      • Home has less than 10 photos
      • HVAC must be less than 15 years old
      • Roof must be less than 15 years old 
      • Water heater must be less than 10 years old 
      Read more about choosing a “quality home.”

      Ineligible home types:

      • Condos
      • Foreclosures
      • Pre-foreclosures
      • Short sales
      • Bank-owned / county-owned
      • Fannie / Freddie-owned
      • Assignee contracts from wholesalers
      • Manufactured or mobile homes
      • Age Restricted Communities: Housing and neighborhoods specifically for those 55/65 and older  
      • Homes on unpaved roads and/or driveways
      • Homes without central air conditioning HVAC (only applies in GA, TX, FL, TN, and AZ)
      • Homes with financed solar panels; owned solar systems and/or systems paid off at closing are eligible

      As always, if you have a question reach out to your Divvy Advisor.