How to Apply
for a Habitat House
Fill out a pre-qualification application available HERE, at the Habitat office or the Lexington or Buena Vista Restore. Return it to the Habitat Office.
If your pre-qualification application is approved, you will be asked to complete a full application and provide employment, financial, and other documentation.
If your full application is approved,
Habitat staff will guide you through
the loan process and your build
partnership with Habitat.
Number in Household Maximum Income
1 person $21,450 - $34,250
2 persons $24,500 - $39,150
3 persons $27,550 - $44,050
4 persons $30,600 - $48,950
5 persons $33,050 - $52,850
6 persons $35,500 - $56,800
7 persons $37,950 - $60,700
8 persons $40,400 - $64,600
Does your household’s ANNUAL gross income fall within these limits for the number of people?
Each person over 18 must contribute 200 hours of "sweat equity." Sweat equity requires the home owner and family to contribute throughout the building process on not only their future home, but other home construction as well. Don't worry: no experience is needed. Our staff will teach you what you need to know!
All adults in the family must attend the 9 week Homebuyer Education class, which includes information about financial management, understanding credit and predatory lending, home maintenance, and much more.
You will be required to make a down payment of $500-$1,250 on your house.