Homeownership Program

How do I apply for the program?

Habitat accepts homeownership applications once a year, for a limited time. The 2020 application has been postponed and is now set to begin Monday, June 1, 2020, with a deadline of Wednesday, July 15, 2020.

Check out our 2020 income guidelines, which include an expanded income range for eligible veterans and teachers.

How Can I Get an Application?

Applications will not be available to the public until we open up the application drive. Our tentative plans are to make applications available in the following ways, beginning June 1:

  1. Download and print an application from the website.
  2. Pick up an application packet at the Habitat ReStore or Administrative Office at 721 E. Amidon St. (The building is open Monday through Saturday from 9 a.m. to 6 p.m.)
  3. Contact Lisa in the Habitat office at 605-274-6290 or lisa.ross@siouxfallshabitat.org for other options to receive application materials.

The application checklist walks you through the process.

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 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.

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.