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Homeownership
Habitat home ownership is a hand up, not a handout
We believe in the positive power of affordable home ownership. Owning a home is an excellent way to put down roots in a community, to have a healthy place to live that you can call your own, and to provide your family with strength, self-reliance, and stability.
HFHWRA offers affordable home ownership by partnering with the community to build quality, energy efficient homes using as much donated labor and materials as possible. We then sell the homes to qualified applicants with zero-interest mortgages and affordable monthly payments based on income.
House design: HFHWRA is not a custom home builder. Our homes are designed to focus on providing simple, decent housing that “fits” the household size and accessibility needs. The homes are very energy efficient to save you money far into the future. The house design guidelines will be explained in more detail during the full application process.
TO QUALIFY
NEED
for affordable housing
A need for affordable housing means you are unable to obtain adequate housing through conventional means, and your current housing includes issues such as:
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rent is too high, or
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housing is overcrowded, or
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it is inaccessible, or
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neighborhood is unsafe, or
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there are health & safety issues due to poor maintenance.
WILLINGNESS
to partner with Habitat
Our program is possible thanks to community support, and Habitat home buyers are expected to contribute 250 hours of volunteer labor to support our mission.
This “sweat equity” does more than help to make the home affordable—it creates a positive community and offers the skills & knowledge you'll need to be a successful homeowner.
ABILITY TO PAY
an affordable mortgage
You must have a steady source of income to be able to repay your mortgage loan and your annual property taxes/insurance (see chart below for current income guidelines).
Applicants should also have decent credit and a history of paying bills on time with no outstanding liens or judgments.
Note: You must have lived or worked in Sauk, Columbia, or Iowa county for a minimum of six (6) months, and at least one adult applicant must have citizenship or permanent residence.
Ready To Apply?
Step #1
Step #2
Step #3
NOTE: Income limits below are related to gross (before tax) income using any source of steady income including wages, SSI, Social Security, child support, etc.
