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*:
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a need for better housing
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the ability to pay a monthly mortgage payment
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a willingness to partner with Habitat (including 250 Sweat Equity Hours per adult)
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legal U.S. Residency Status
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residency or work history in Elkhart County for the previous year minimum
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the ability to accept a house in the locations where Habitat is building
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an income that falls within our income guidelines (see chart)
*All lending decisions are made based on ability to repay.
Mortgage payments will not exceed 30% of gross monthly income.
Family Size
Minimum Income
Maximum Income
1
$14,760
$36,900
2
$16,860
$42,150
3
$18,960
$47,400
4
$21,060
$52,650
5
$22,770
$56,925
6
$24,450
$61,125
7
$26,130
$65,3250
8
$27,810
$69,525
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 the 2020 application meetings.
Our Spring 2020 Application Round has been postponed.
We care about the health and safety of our staff, volunteers, partners, and the people we serve. This includes the prevention and spread of COVID-19. If there are changes or updates, we will update our statement here.
Contact our Family Services Director Bonnie at 574-533-6109 for more information.
Spanish interpretation will be available at these meetings: