Yemi and Christian at their new home

Homeownership Program

The next opportunity to apply for the homeownership program is planned for June 2022.  The application cycle is open once a year, for a limited time. 

Application forms are only available during an open application cycle.  There is no application fee.

Copies of required documentation must be submitted with the application, including:

  • Picture ID or driver’s license for all adults (18 or older).
  • Proof of residency (birth certificate, green card, U.S. passport or citizenship certificate).
  • Social security card for everyone in the household.
  • Past one month’s paystubs for every adult in the household who is employed.
  • Past two year’s federal income tax returns (Form 1040), including W-2 forms, for all adults in the household. Self-employed applicants must submit all schedules and worksheets.
  • Past two months’ bank statements for all checking and savings accounts.
  • Proof of any additional income (SSI/SSDI, retirement/pension, child support, etc.) showing award letter/benefit statement or payment history for past one year.
  • If applicable, divorce decree or court order for child support.

Questions about the application or the home purchase program?

Lisa Ross, Homeowner Services Coordinator
Habitat for Humanity of Greater Sioux Falls, Inc.
721 East Amidon Street
Sioux Falls, SD 57104

How does the Habitat Homeownership Program work?

Habitat is a hand up, not a handout. Qualified applicants must have a need, ability to pay and a willingness to partner. 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. Habitat finances the sale with affordable mortgage loans. The mortgage income Habitat receives each month helps build future affordable homes.

Benefits of Habitat Homeownership

Is Habitat not the right fit for you? We have compiled a list of other housing programs and resources that might be able to assist you with your housing needs.

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 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.