Do I Qualify For a Habitat Home?

Please go over this page carefully to determine if you qualify for the Habitat program.

• Substandard housing: Living in a home that is structurally unsafe, has leaking roofs, broken plumbing, faulty wiring, or other major repair issues.

• Overcrowding: Too many family members sharing too few bedrooms, or multiple families living in one space.

• Cost burdened: Paying more than 30% of household income on housing costs (rent plus utilities).

• Unsafe environment: Living in a neighborhood with unsafe conditions, high crime rates, or environmental hazards.

• Unstable housing: Facing frequent moves, temporary housing, or risk of eviction.

• Inaccessible housing: Home does not meet the needs of household members with disabilities, mobility challenges, or chronic health issues.

• Poor heating/cooling: Inadequate or no heat, air conditioning, or insulation, making the home unhealthy or unlivable.

• Overpayment for quality: Paying high rent for housing that is still in poor condition.

• Lack of ownership access: Unable to qualify for conventional bank financing due to income level, credit history, or lack of down payment.

You Must Have a Need

You Must Meet Income Guidelines

You must have a minimum annual income of $26,000. Your total household annual income may not be more than the following for a family of:

1. $42,350

2. $48,400

3. $54,450

4. $60,500

5. $65,350

6. $70,200

7. $79,900

Partnering includes providing "sweat equity" by helping to build the house, volunteering at other local non-profits, and attending homebuyer education classes or online courses.

You Must Be Willing to Partner

• You must be a resident of Dyer County for at least the past six months and be a legal resident of the United States.

• Your credit file will be pulled to determine credit worthiness.

• You must pass a criminal and sex-offender background check.

• Your present home must show a concern for cleanliness which will indicate your willingness to maintain a Habitat home.

• You will have at least $2,000 for your down payment, closing costs, and utility hookup fees at the closing of your new home.

Additional Factors

We are not currently accepting applications. Please subscribe to our newsletter to be informed of when we will be accepting applications.