Homeownership Program
With Habitat, you can own a home and build a brighter future.
Every day, Habitat for Humanity Capital Region partners with hardworking families and individuals who could use a hand up through decent, affordable housing. Since 1987, we have partnered with over 130 homebuyer families throughout Clinton, Eaton, and Ingham counties to help them discover the power of affordable homeownership.
A decent and affordable place to live can help homeowners build wealth, save more money, invest in education, pursue new opportunities, and have more financial stability.
Habitat houses aren't free. A home is an investment that lasts for generations. Every person who partners with Habitat for Humanity Capital Region to become a homeowner is making a personal and financial investment in their future, and the future is bright.
"I am a single mother of 4 children. We were renting and living with relatives until we were given the opportunity of owning our own home through Habitat for Humanity.
I say we as my 4 children and myself all participated in every aspect of being approved and building our home … it was a great experience for all of us.
I am so grateful for the opportunity I was given to own my own home."
Sheila, Habitat Capital Region homeowner
How do you qualify for the Habitat Homeownership Program?
Habitat for Humanity Capital Region builds and rehabilitates homes in partnership with families and individuals who are in need of a safe, decent, and affordable place to live. Through an application process, qualified homebuyers are selected to purchase affordable homes that Habitat Capital Region builds or rehabilitates in Ingham, Eaton, and Clinton counties.
You must have need for housing.
This program is for people who do not currently own a home and whose current living situation is inadequate in some way.
You must be willing to partner with Habitat Capital Region.
Habitat homebuyers invest 150-250 hours of their own labor into building their house and the houses of others, and attend a series of homebuyer education classes.
You must have steady income within our income guidelines.
Habitat homes are not free. Habitat homeowners purchase their homes with an affordable mortgage.
Homeownership Program Income Guidelines
Your annual pre-tax income must fall within the income guidelines for your household size. The calculation of income will include earnings by all members of the household as well as other sources of verifiable and reliable income. These income guidelines are updated annually.
| Household size | |
|---|---|
| 1 | $25,880 – $51,760 |
| 2 | $29,560 – $59,120 |
| 3 | $33,240 – $66,480 |
| 4 | $36,920 – $73,840 |
| 5 | $39,880 – $79,760 |
| 6 | $42,840 – $85,680 |
| 7 | $45,800 – $91,600 |
| 8 | $48,760 – $97,520 |
Take the first step to becoming a Habitat homeowner
Attend an information session with our Homeowner Services team to learn more about the Homeownership Program and to decide if it is right for you.
Sign up for an orientation meeting
Benefits of purchasing a Habitat home
The Homeownership Program helps remove many barriers to buying a home and provides homebuyers access to an affordable mortgage.
Affordability
Your monthly house payment, including taxes and insurance, will not exceed 30% of your monthly income.
Quality
Habitat homes are built to be energy-efficient, durable, sustainable, and meet accessibility standards.
Homebuyer Education
You will receive financial education training as well as hands-on home maintenance and repair experience.
Post-Purchase Support
Our staff remains available to provide you with resources and assistance after you purchase your home.
Equal Housing Opportunity
We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.
