Homeownership Program

Are you interested in owning your own home? It can be possible with the help of Habitat for Humanity of Evansville.

If you answer yes to the following questions, you may qualify.

Ability to Pay

  • I can afford to pay approximately $625 a month with an affordable zero-percent APR mortgage.
  • I have no liens or judgments owed.
  • I have no non-medical collections owed.

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  • I have not had a bankruptcy in the last four years.
  • I have not had a felony where the completion of my sentence, probation and/or parole was less than 3 years ago (7 years if two or more unrelated felonies).
  • My household income does not exceed 80% of the area median income based on the number of people living in my household. (See chart below for income guidelines.)

Need for Housing

  • I currently do not qualify for traditional financing from a bank.
  • My current living situation is overcrowded.
  • My current living situation has major problems that my landlord will not fix, or I am unable to fix myself.
  • I am currently overburdened by the cost of rent.

Willing to Partner

  • I am willing to work 300+ hours (sweat equity hours) on my home and the homes of others.
  • I am willing to attend homeownership workshops.
  • I am willing to engage in the Future Homeowner Advocate program.

  • Step 1.

    Ability to Pay

    All applicants must complete a credit check form, but don’t worry – we don’t look at the credit score. Once a credit check is complete, applicants may be invited to complete an application. Each application must have enough income to pay for the home, utilities and maintenance. If your application and credit check meet the Ability to Pay qualifications, you will move to Step 2. If you do not qualify, we will refer you to a supporting agency to help you work toward qualification.

  • Step 2.

    Need for Housing

    A team from the Habitat Selection Committee will schedule a home visit to meet you, assess your need for housing and discuss what it means to partner.

  • Step 3.

    Willing to Partner

    Each future homeowner must be willing to complete 300+ sweat equity hours within a year and be willing to live where Habitat is building.  Sweat equity includes construction, homeownership classes, community engagement, ReStore volunteering, and meetings with a Budget Partner.