Women Build Dedication Nov 16, 2012

Home ownership

To Apply

We hosted two orientation sessions in January. Applications were available at the sessions.

They are also on our website, with a Q&A sheet about sweat equity and income guidelines. And they are in the Habitat office during the open application period.

The open application period is January 19 – February 17, 2017.

Applications are due no later than Friday, February 17, 2017 at 5 pm. They need to be delivered to our Family Services Coordinator.

Here’s the flier to learn more. If you have questions, please contact the Family Services Coordinator via email or 605-274-6290.

Our Program

Habitat for Humanity is a hand up, not a hand out. Applicants selected to partner with Habitat for Humanity complete sweat equity hours, which include homeowner education and construction work on their home.  Sweat equity represents a homeowner partner family’s physical and emotional investment in the mission of Habitat, and it creates pride in home ownership.  Two-head of household families complete a minimum of 400 hours and single head of household families complete a minimum of 200 hours of sweat equity. Homeowner partners then purchase their home from Habitat and make a monthly mortgage payment. Homes purchased from Habitat carry a 0% interest rate for the life of the loan. The income Habitat receives from mortgages is directed to the “Fund for Humanity” and is used to build more homes.

The Family Selection Committee, which is a group of volunteers from the community, works with Habitat through the application process to select families for home ownership. The application process includes the completion of an application, as well as a credit check, background check, interview, home visit and trial sweat equity.  The Family Selection Committee reviews all materials provided by homeowner partners during the application process and then makes recommendations to the Habitat for Humanity of Greater Sioux Falls Board of Directors, who makes the final decision regarding which families are selected for the home ownership program.

In selecting families, Habitat for Humanity considers an applicant’s need for housing, ability to pay, and willingness to partner. The heads of household must be legal residents of the United States and have lived or worked in Minnehaha, Lincoln or Turner counties for the past 12 months.

Habitat does not discriminate on the basis of race, sex, color, age, handicap, religion, family status, national origin, or income derived from public assistance programs.

To Qualify

Habitat for Humanity is a special-purpose credit program for low-income applicants who live or work in Minnehaha, Lincoln or Turner counties (our service area). Applicants must meet all three of our selection criteria.

1. Need for Housing

Qualified applicants must have a housing need (physical and financial). Examples of need are:

  • Living in inadequate or substandard housing
  • Living in transitional housing
  • Cost-burdened or credit difficulties
2. Ability to Pay

Some of our criteria are:

  • An annual gross income within 30% to 60% of the area median income for our service area
  • Debt-to-income ratio (housing cost + monthly debt) is less than 50% of gross monthly income
  • Less than $5,000 in derogatory (delinquent) debt
3. Willingness to Partner

Qualified applicants must:

  • Complete homeowner education classes
  • Partner in construction (complete sweat equity)
  • Accept the lot assignments and construction plans offered by Habitat
  • Make regular monthly mortgage payments

Meet Our Partner Families

These families have been featured in our e-newsletter. Please click here if you’d like to sign-up to receive our newsletter, Habitat Happenings.


What does it look like to build your home alongside volunteers and community supporters? Check out Capital One, Thrivent Financial and Britton Transport in action. They are all volunteer groups who took their commitment to helping families seriously.