Apply for a
Thank you for your interest in becoming
a Habitat homeowner. We believe that everyone should have a safe, affordable place to call home.
Who’s eligible? How does it work?
We strive to assist families below 60-80% of the area median income afford their own home. Family selection is based three main criteria:
• Level of Need
• Willingness to Partner
• Ability to Pay
Affordable costs of housing are a priority at Habitat. We provide mortgages at no more than 30-40% of the family’s monthly income with zero to low interest rates. Our partner families work very hard during the construction process through Sweat Equity. Requirements for Sweat Equity hours range from 250-450 hours based on the number of adults within the household.
We also provide homeowner education which teaches accountability, financial well-being, and a sense of community which counts toward Sweat Equity hours.
Habitat affiliates require only a small down payment because few low-income families can afford more than that. Instead, partner families are required to contribute sweat equity.
— David Rubel, If I Had A Hammer: Building Homes and Hope with Habitat for Humanity (2009)
What is Sweat Equity?
Sweat equity is a term used often when talking about the creation or building process. It’s about doing the work — the hard work — to bring an idea to life. That work becomes an investment in the project. It can be an investment as real as money or land.
At Habitat for Humanity, sweat equity is a new homeowner investing in their home or one for another family. It’s not a form of payment, but an opportunity to work alongside volunteers who give their time to bring to life a family’s dream of owning a home.
Sweat equity can take many forms for partner families working with Habitat. It can mean construction work on their home or on a home for another family, cleaning up the build site, working in a Habitat ReStore, assisting in administrative duties, or countless other ways of
Homeowner classes — learning how to manage a home or finances — also count as sweat equity. Families invest their time in the long-term success of their homeownership. Throughout the process of purchasing their home, Habitat partner families can earn sweat equity credit as they learn about their mortgage, insurance, maintenance, safety and more.
That co-worker approach informs Habitat’s emphasis on sweat equity: all of us working together so that homeowners can achieve the strength, stability and independence they need to build a better life for themselves and for their families.
Community Home Repair
Do you need a low-cost home repair? We can help!
Here's what's covered under our low-cost Community Home Repair Program:
• ADA accommodations include wheelchair ramps, lowering of sinks and countertops,
• installation of grab-bars, roll-in showers, etc.
• Preservation: Concrete, exterior paint, siding
• Weatherization: Window and door replacement, air sealing, and ventilation
• Cap Project Cost at $3,500-$5,000
• Zero interest loan with flexible payment term
Sweat Equity is required. That means 50% of projected labor hours will be required to demonstrate a meaningful commitment.
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