Individuals and families who are interested in applying for the Habitat homebuying program must meet a number of requirements, which fall into three categories - NEED, PARTNER and PAY.

Demonstrate NEED

Families applying to the Habitat program must currently have a need for decent, affordable housing.

  • Substandard Conditions (structural problems, mold, pests, etc)

  • Overcrowding (too many people in one bedroom, using non-bedrooms as bedrooms)

  • Homelessness (living with friends, relatives, coworkers, etc)

  • Cost-Burden (spending more than 30% of income on rent)

Be Willing and Able to PAY

Families must have stable, verifiable income sufficient to support a monthly mortgage payment and other expenses and must meet the income guidelines listed below. Habitat serves families earning less than 80% of area median income for Madison County. Income guidelines are set by the U.S. Department of Housing & Urban Development and are updated annually. Having income within these guidelines does not guarantee eligibility.

Family Size    Gross Yearly Income 

 1 person        $16,720 - $33,400 

 2 people        $19,080 - $38,200 

 3 people        $21,840 - $42,950

 4 people        $23,840 - $47,700

 5 people        $25,760 - $51,500

 6 people        $27,680 - $55,350

 7 people        $29,600 - $59,150

 8 people        $31,840 - $63,000

Homeowner Orientation

All applicants are encouraged attend a homeownership program orientation session to begin the application process. (Child care services are not available.) Our next homeowner orientation will be determined at a later date.

Be willing to PARTNER

  • Perform 200 (or 400 depending on household) hours of “sweat equity” by working on their house and other Habitat houses, at the Habitat ReStore and at other area nonprofits. Children can even earn sweat equity hours to help their parents by getting good grades on their report card! Only 30 percent of hours can be “donated” by family and friends. Must be completed one month prior to closing.

  • Make a $1,200 closing cost payment (can be paid in increments)

  • Complete the multi-week Habitat Institute Homebuyer Education Course

  • Maintain or decrease your “debt-to-income” ratio while in the Habitat program

Other Qualifications

  • Be a first-time home buyer, meaning they have never owned a home or haven't owned a home in the past three years

  • Have not had a home in foreclosure in the past four years

  • Be unable to qualify for a conventional loan due to income level

  • Be able to prove ability to afford the monthly payment and household expenses

  • Have fair or passable credit and no judgments or liens

  • Have not declared Chapter 13 bankruptcy in the past 12 months or Chapter 7 in the past two years

  • Must have re-established credit from any previously declared bankruptcies

Learn more about the application process or download an application, click here

We currently are not accepting applications. Please continue to follow this page for upcoming dates.

We are pledged to the letter and spirit of the U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status or national origin. For information on Fair Housing and Equal Opportunity, click here or contact your local HUD office.

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