Habitat for Humanity of Elkhart County builds houses in partnership with qualifying partner families and sells the houses at no profit with affordable mortgages. The program also prepares partner families to become successful Habitat home owners.

Home Ownership


Qualifications to Apply

To qualify for a Habitat for Humanity home you must have*:

  • a need for better housing

  • the ability to pay a monthly mortgage payment

  • a willingness to partner with Habitat (including 250 Sweat Equity Hours per adult)

  • legal U.S. Residency Status

  • residency or work history in Elkhart County for the previous year minimum

  • the ability to accept a house in the locations where Habitat is building

  • an income that falls within our income guidelines (see 2022 chart)


*All lending decisions are made based on ability to repay. 

Mortgage payments will not exceed 30% of gross monthly income.

Minimum Income
Maximum Income
Family Size
Partner Family homeowner affordable mortgage

Application Process

Attend an Informational Meeting 

These meetings are typically held twice a year throughout Elkhart County. Participants learn more about homeownership basics, the application process, and will be able to pick-up a Habitat homeownership application.  Attendance at an Informational Meeting is a required step in the application process.

Complete the application

When your application is complete schedule a meeting with our Family Services Director to review it. A committee will review all of the applications and will make recommendations to the Board of Directors for approval. Once approved, the ‘process’ is done and the ‘program’ begins.

Informational Meetings



Attendance at an Informational Meeting is a required step in
the application process. Meetings are typically held once or
twice a year.  After attending an informational meeting you must schedule a meeting with the Family Services Director before
the application deadline in order to submit your completed application. Follow us on Facebook or check this page for updates.


To RSVP to one of these meetings, please email your name

and the date you plan to attend to jennifer@habitatec.com.

Spanish interpretation will be available at these meetings.