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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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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.



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.



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.


In neighborhoods where we are building. We want to help our neighbors by offering services to you. Learn more about our Beyond the Curb program.

Homeownerhip Program Requirements

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:

  • 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 2023 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.

Yearly Income
# People
in Household
Min. Monthly Income
Max Monthly Income

2023 HUD Income Guidelines.

2024 Applications Open in April & September

The next Homeownership program application process will open in September.
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), fill it out, and schedule an appointment with our Family Services team.

Applications are currently closed. Please follow us on our website or social media pages (Facebook, Instagram, or LinkedIn) to find exact opening dates, OR fill out the form below to be notified when applications open.

Homeownership Program

Thanks for submitting! Our team will respond during business hours.

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. At this time, we are processing our current requests. We will open this again shortly.

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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:

  • 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

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.

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

Repair Project Homeowner Intake Form

I live or work in Elkhart County

Thanks for submitting!

Beyond the Curb

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Habitat’s Beyond the Curb program offers weeding, raking, removal and disposal of unwanted yard items, planting, and general yard clean-up done by our volunteers and at no cost to you!

In neighborhoods where we are building safe and affordable housing, we want to be able to support the whole neighborhood.

Services provided:

● Raking and removing leaves and debris in the yard
● Planting flowers (that the homeowner purchases)
● Weeding
● Remove & dispose of small unwanted non-hazardous items (at our discretion)
● Sweep driveways and sidewalks
● General yard clean-up

If you are interested in Habitat’s Beyond the Curb program, please fill out the form below.

Repair Program
Beyond the Curb

Thanks for submitting! We will get back with you at our earliest convenience.

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