Homeownership Program

How do I apply for the program?

The 2020 application period is now closed. The deadline to submit an application was 5 p.m. on Friday, July 31, 2020. Habitat is only open to new applicants once a year, for a limited time. Late applications cannot be accepted.

What is the selection criteria for the program?

To qualify for the homeownership program, applicants must have a need, the ability to pay, and a willingness to partner. For our 2020 income guidelines and other requirements, review our program selection criteria.

Program Selection Criteria

Each application drive is a new opportunity for all applicants.

Even if you have applied in the past, a new application must be submitted, along with the required supporting documents. We only accept applications once a year, for a limited time. After the application deadline has passed, we will be closed to new applicants until next year.

Assess Your Readiness

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.

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.

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. Habitat finances the sale with affordable mortgage loans. The mortgage income Habitat receives each month helps build future homes.

Benefits of Habitat Homeownership

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.