Homeownership Program

Every home is a building block.

No matter who we are or where we come from, we all deserve to have a decent life. Affordable housing is a serious problem in Greater Sioux Falls. Because of increased housing costs and growing income inequality, one in nine households in South Dakota spend half or more of their income on housing. Virtually nowhere in the U.S. can a full-time minimum-wage employee afford a one-bedroom apartment. In Sioux Falls, it takes a 60-hour workweek. These burdens leave households with little income to afford the cost of food, health care and other basic necessities.

Habitat for Humanity’s Homeownership Program puts families on a new path — one where stability and self-reliance are actually obtainable. Habitat homeowners receive financial education, help build their houses and pay an affordable mortgage.

Through shelter, we empower.

How does the Habitat Homeownership Program work?

Habitat is a hand up, not a handout. Applicants selected to partner with Habitat complete 300 hours of sweat equity, which includes homeowner education and construction work on their home or other Habitat homes. Homebuyer partners then purchase their home from Habitat and make a monthly mortgage payment. Homes purchased from Habitat carry a zero-percent interest rate for the life of the loan. The mortgage payments Habitat receives from homeowners are used to build more homes.

Benefits of Habitat Homeownership

How do I apply for the program?

Right now we are building homes with current partner families, and we are closed to new applicants. The next opportunity to apply will be in April 2020.

To qualify for the home ownership program, applicants must have a need, the ability to pay, and a willingness to partner. To find out if you qualify, review our program selection criteria.

Program Selection Criteria

Public Information Meetings

In addition, we encourage all potential applicants to attend one of our 2020 public information meetings, which will be held at the Downtown Library in 2020. At the information meetings, you will learn more about our construction openings and plans for the 2021 build season. Application materials will also be provided at the meetings.

Each application drive is a new opportunity for all applicants.

Even if you have applied in the past, a new application must be submitted in order to be considered for partnership with Habitat. We accept new applications just once a year during our application season.

Assess Your Readiness for the Homebuyer Program

If you have any questions about the application process for the home ownership program, please contact Lisa Ross, our Family Services Coordinator, at 605-274-6290.

How can I support the program?

By getting involved with Habitat, you can make a hands-on difference. You’ll change the lives of people who need homes and change your own life through the experience of joining the Habitat community.

Equal Housing Opportunity

Habitat does not discriminate on the basis of race, sex, color, age, handicap, religion, family status, national origin, source of income, or exercise of rights under the Consumer Credit Protection Act.