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Homeownership Program

Habitat for Humanity partners with low-to-moderate-income families interested in pursuing homeownership. The process averages 12-18 months to allow for a home’s construction or renovation, down payment savings, class attendance, and completion of other Habitat requirements.

Habitat partners with families who meet the following criteria:

Need for adequate housing

If your current home is unaffordable (more than 30% of your income), you are living with family or friends, there are maintenance problems at your rental unit, or you can’t get approved for a conventional mortgage, you may qualify. Applicants must not currently own a home.

Family size
Minimum Monthly Income
Maximum Monthly Income
1
$1,693
$3,383
2
$1,933
$3,866
3
$2,176
$4,350
4
$2,416
$4,833
5
$2,610
$5,220
6
$2,803
$5,608
7
$2,996
$5,995
8
$3,190
$6,383

Ability to pay

Habitat mortgages are no more than 30% of your gross income (including taxes and insurance), as determined by a licensed mortgage originator. Applicants should show the ability to make this payment, evidenced by meeting the income guidelines below and consistently paying bills. Perfect credit isn’t required, but any judgments and liens must be repaid before an applicant will be approved. Credit reports are reviewed for all applicants, and our Homeowner Services Consultant will discuss with potential homebuyers any credit issues impacting their application.

Willingness to partner

All applicants will be required to complete a minimum of 300 hours of sweat equity. These hours include classes, Habitat events, helping in the ReStore and construction.

Homebuyer Application Documents

Everything you need to apply to become a Habitat homeowner in the Jackson, MI area can be downloaded and printed by clicking on the link below. If you don't have access to a printer, feel free to stop by our ReStore to pick up a copy or call us at 517-784-6620 to have one mailed to you.

Once you've filled out your intake form, please call Family Services Department at 517-784-6620 to schedule a one-on-one orientation. Please do not stop into the Habitat offices or the ReStore to drop off paperwork without an appointment. Our ReStore employees are not allowed to accept dropped off documents.

Everything you need to apply to become a Habitat homeowner in the Jackson, MI area can be downloaded and printed by clicking on the link below. If you don't have access to a printer, feel free to stop by our ReStore to pick up a copy or call us at 517-784-6620 to have one mailed to you.

Once you've filled out your intake form, please call Kate Chesney at 517-784-6620 to schedule a one-on-one orientation. Please do not stop into the Habitat offices or the ReStore to drop off paperwork without an appointment. Our ReStore employees are not allowed to accept dropped off documents.

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Frequently Asked Questions

Visit our FAQ page to see our most commonly asked questions or call us at (517) 784-6620.