The Habitat home ownership program offers a hand up, not a hand out. As a nonprofit, Habitat for Humanity relies on the support of our local community. Our goal is to provide affordable housing for low-income homebuyers who would not otherwise be able to afford home ownership or a home loan.
In order to be considered, applicants must be living or working in our service area (Lincoln, Minnehaha or Turner counties) for the 12 months preceding the application drive.
All applicants who meet the above general requirement are screened for our program based on the three criteria outlined below. Applicants must meet all of our requirements for all three criteria in order to qualify.
Applicants must have a housing need – current housing is inadequate, substandard or unaffordable. Applicants must also have a financial need and fall within 30%-60% of area median income (before taxes and deductions). Income from all sources, with the exception of SNAP income, is counted.
2019 Income Guidelines (numbers are from 2019 HUD Income Limits for our service area, which includes Lincoln, Minnehaha and Turner counties)
|Number of people living in household||30% AMI (Minimum income)||60% AMI (Maximum income)|
The applicant and co-applicant (if any) will become the owners of the Habitat home and will be committing to repay the loans for the Habitat home.
Selected applicants will become homebuyer partners and will sign a partnership agreement, committing to:
The number of applicants selected is based on the number of homes Habitat intends to build for the next construction season. We typically have more qualified applicants than we have openings. If you qualify but are not selected, you can apply again. Each application drive is a new opportunity for all applicants.
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.