Habitat for Humanity of Elkhart County partners with families who have a need for safe, decent, and affordable housing.
Through shelter, we empower families to believe in themselves. Together, we build homes, communities, and hope.
Our Programs:
Housing Solutions in Elkhart County
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Homeownership Program
Requirements & Qualifications
In order to qualify for the homeownership program, an applicant must demonstrate a need for housing, a willingness to partner with Habitat, and the ability to pay for their future mortgage. Familiarizing yourself with the program's requirements and qualifications can help make you a more qualified candidate.
To qualify for a Habitat for Humanity home, you must have:
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a need for better housing, living in overcrowded or substandard housing.
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the ability to pay a monthly mortgage payment, an income that falls within our income guidelines (see 2022 chart).
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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
*All lending decisions are made based on the ability to repay. Mortgage payments will not exceed 30% of gross monthly income.
Minimum Income
Maximum Income
Family Size
$15,900
$42,300
1
$18,310
$48,350
2
$23,030
$54,400
3
$27,750
$60,400
4
$32,470
$65,250
5
$37,190
$70,100
6
$41,910
$74,900
7
$46,630
$79,750
8
2022 HUD Income Guidelines.
Open Applications in 2023 - Open in April & August
The Homeownership program application process is now closed.
Habitat for Humanity of Elkhart County's homeownership program offers qualified families and individuals the opportunity for an affordable mortgage. The application process takes several months, and the homeownership program typically takes 12-18 months to complete. To begin your application, you must complete the prescreening form during an open application period; you will be required to watch an informational video, download the application form (pdf) and fill it out, and schedule an appointment with our Family Services team.
Please fill out the form below to be notified when the next application window opens.
Ramp Program
If you would like an application or more information about how you or someone you know might qualify for a ramp, please contact us using the form below or call our office at 574-533-6109.
Home Repair Program
Repairs are an extension of Habitat's core building program. They allow us to serve a different population (existing homeowners) yet follow the same basic requirements for eligibility --- demonstrated need, ability to pay, willingness to partner --- and the Habitat model of providing a hand up, not a handout.
What is the Home Repair Program?
The Home Repair Program helps homeowners maintain their homes. Habitat assists low-income households with minor home maintenance and repairs and enables people to live and age safely in their own homes.
Eligible projects may include:
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Weatherization- door and window
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Siding repairs
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Trim repair and replacement
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Leaky faucets
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Replace toilet seals
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Handrail installation
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Gutter/siding cleaning
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Fence repair
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Debris removal
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Minor repairs
Home Repair Program Qualifications and Requirements
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Applicants must own and occupy their home for a minimum of one year and live in Elkhart County.
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Must show proof of income for all household members. Income must not exceed 80% of the AMI. (See income guidelines above)
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Proof of current homeowner's insurance.
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Homeowners will contribute sweat equity based on the scope of the project.
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Homeowners will pay 10% of the project budget at the time the agreement contract is signed.
Please complete this form with as much requested information as possible. To be completed by the homeowner.
Beyond the Curb
