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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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Homeowner
Program

Habitat builds houses in partnership with qualifying partner families and sells the houses at a 0% interest with affordable mortgages. The program prepares families to become successful Habitat homeowners.

Ramp

Building

Habitat currently has a one of a kind program for building wheelchair accessible ramps for people living in Elkhart County. Applicants must own and live in their home, and have current homeowner's insurance.

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Home

Repair

To be considered for this program, you must own and live in your home, meet income level criteria, and have home insurance. This program does not apply to rental properties. The home must be a single family house.

Homeownerhip Program

Homeownership Program

Requirements & Qualifications

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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:

  • a need for better housing, living in overcrowded or substandard housing.

  • the ability to pay a monthly mortgage payment, an income that falls within our income guidelines (see 2022 chart).

  • 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

 

*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

Program applications will open on this page Spring of 2023. Sign up below for notifications, and check back here soon.
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 by downloading prescreen pdf form.

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Complete the Application
When the applications window opens, there will be a link to begin the application process. 

Once your application is complete,  you'll meet with our Family Services Director to review it. A committee will review the applications and make recommendations to the Board of Directors for approval. Once approved, the application ‘process’ is done, and the ‘program’ begins.

Fill out the form to be notified by email when the HOMEOWNERSHIP application window opens.

Thanks for submitting!

Ramp Building

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.

Request Information on Ramp Program

Thanks for submitting!

This form no longer accepts submissions. We've had a lot of interest in this program. At this time we are processing our current requests. We will open this again shortly.

Wheelchair ramp_03.png

Home Repair Program

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.

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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.

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Eligible projects may include:

  • Weatherization- door and window

  • Siding repairs

  • Trim repair and replacement

  • Leaky faucets

  • Replace toilet seals

  • Handrail installation

  • Gutter/siding cleaning

  • Fence repair

  • Debris removal

  • Minor repairs

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Home Repair Program Qualifications and Requirements

  • Applicants must own and occupy their home for a minimum of one year and live in Elkhart County.

  • Must show proof of income for all household members. Income must not exceed 80% of the AMI. (See income guidelines above)

  • Proof of current homeowner's insurance.

  • Homeowners will contribute sweat equity based on the scope of the project.

  • Homeowners will pay 10% of the project budget at the time the agreement contract is signed.

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Please complete this form with as much requested information as possible. To be completed by the homeowner.

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Repair Project Homeowner Intake Form

I live or work in Elkhart County

Thanks for submitting!

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