The Habitat homeownership 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 homeownership or a home loan.
Applicants must be living or working in our service area (Lincoln, Minnehaha or Turner County) for the 12 months preceding the application drive. Applicants must be a U.S. citizen or permanent legal resident.
All applicants who meet the above residency requirements are screened for our program based on the three criteria outlined below. Applicants must meet the requirements for all three criteria in order to qualify.
Applicants must have a housing need — current housing has one or more of these issues: inadequate, crowded, substandard, inaccessible, temporary, transitional, unaffordable, subsidized, or applicant cannot qualify for a traditional mortgage loan.
Applicants must also have a financial need — annual gross household income must not exceed 60% of area median income for general eligibility and must not exceed 80% of area median income for special eligibility.
In 2021, special eligibility income guidelines apply to:
For special eligibility descriptions and requirements, or for general information about Habitat’s income guidelines, refer to the 2021 Income Guidelines.
The applicant and co-applicant (if any) become the borrowers on the loan and the owners of the Habitat home. Applicant(s) must demonstrate ability to pay an affordable mortgage loan:
Homebuyer partners must sign a partnership agreement. Requirements of partnership include, but are not limited 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.