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Home Ownership

Habitat for Humanity Clark & Floyd Indiana believes that all hard-working individuals and families should have access to the benefits and stability of homeownership. We are committed to partnering with families to build decent, quality, and affordable housing.

The low cost of our homes is made possible through the exceptional support of our community. Building costs remain low thanks to impressive donations and generous volunteerism.

Four basic criteria for home ownership application:

Need for Housing

Need for Housing

A potential homebuyers’ current housing situation is considered in determining need. This includes current rent and status, current living conditions, site of current residence, number of individuals in dwelling and other safety concerns.

Ability to Pay

Ability to Pay

We never want to place a family in a house they cannot afford. We look for steady monthly income, additional income streams, rent history, no excessive debt, current and previous legal activity, and ability to save for closing costs of the mortgage. Click here to view income guidelines.

Willingness to Partner

Willingness to Partner

Participation requires a minimum of 250 hours of sweat equity — unpaid labor used to build a homebuyer’s house and the homes of others, plus mandatory monthly interactive workshops in budgeting, home maintenance, and basic DIY skills. Homebuyers also volunteer in various capacities in Southern Indiana.

Other Factors

Other Factors

We will run national-level credit, criminal background, and sex-offender registry checks. Those living or working in Clark and Floyd counties will be given preference. Typical applicants include those who cannot secure a traditional bank loan and are working toward a more stable life by seeking a hand-up, not a hand-out.

Habitat will not offer assistance on the expressed or implied condition that people must adhere to or convert to a particular faith, or listen and respond to messaging designed to induce conversion to a particular faith.

Join Us for "Hard Hats & High Heels" at Mansion 1886 on September 18!

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