Home Ownership Program

Everyone deserves a decent place to live...


Home ownership can be life changing – offering a safe and stable place to build equity every month instead of writing a rent check. Habitat for Humanity of Huron Valley partners with potential homeowners to build a new life for themselves through decent, affordable homeownership.

Newly renovated, energy-efficient Habitat homes are sold to those who qualify and are approved for our program. Prospective home buyers who partner with Habitat are community-minded residents who are looking for the stability of homeownership.

We renovate empty houses with community partners and sponsors and then turn them into homes by offering an affordable mortgage to our prospective home buyers. Ultimately, we build much more than houses – the impact of homeownership is profound and lasting. It’s a program that works!



Applicants are chosen on their need for housing, willingness to partner and ability to pay a Habitat mortgage as well as meeting residency and income guidelines:

1. Demonstrate a need for decent, affordable housing

  • You do not qualify for a mortgage through conventional financing

  • Your current housing is overcrowded

  • Your neighborhood is unsafe

  • Your current home has unsafe living conditions

2. Willingness to partner with Habitat

  • Each adult over the age of 21 must contribute a minimum of 250 Sweat Equity hours

  • Every applicant will attend classes in the evening or weekends

3. Ability to pay the monthly mortgage

  • See the income guidelines and credit standards below

4. Residency

  • U.S. Citizenship, permanent residency status, or eligible immigration status

  • Must live or work in Washtenaw County

5. Not currently own a home, have a mortgage, or have your name on a mortgage

6. Two years must have passed since any bankruptcy was discharged


Income Guidelines and Credit Standards

Qualifying income minimums and maximums are determined by family size and are 30-80% of Washtenaw County’s area median income. These guidelines are adjusted each year and are based on numbers defined by the U.S. Department of Housing and Urban Development (HUD). Sources of income include: employment, social security, disability, spouse support, pension, unemployment and self employment/business income.

Applicants must meet the following income guidelines:

2018-19 Guidelines for Housing Income


Family Size 1 2 3 4 5 6 7 8
Minimum Annual Income $21,250 $24,300 $27,350 $30,350 $32,800 $35,250 $39,010 $43,430
Maximum Annual Income $52,850 $60,400 $67,950 $75,500 $81,550 $87,600 $93,650 $99,700

Credit Standards

Habitat for Humanity of Huron Valley does not require perfect credit. We consider applicants who demonstrate the ability to make regular payments on their bills. Any collections, past due accounts, judgments, or liens must be addressed. Applicants with negative items on their credit reports will be denied. If you have negative items, such as collections, charge offs, etc. please meet with our financial coach prior to attending an application meeting.

Please contact Latania at (734)-263-4699 for one-on-one financial coaching.

Down Payment

Accepted applicants are also required to make a down payment prior to the closing of the mortgage.

Application Process

Step 1: Attend an Application Meeting

Click here to sign up for our next application meeting on Monday, Nov. 4 at 5 pm. The meeting will be held at the Habitat Office at 2805 S. Industrial Hwy. Ann Arbor, MI 48104. Attendees will learn how Habitat's homebuying process works and application packets will be available. Prior to attending, please review the Credit Standards section above to be certain you wish to proceed.

Step 2. Complete Program Application

*Takes 2-3 weeks to complete application.

The Application Process also includes:

  • Credit Check

  • Criminal and Sexual Offender Background Check

  • Verification of Rental History

  • Verification of Income & Assets

  • Home Visit

  • Partner Selection Committee Review for Board Approval

Step 3: Board of Directors Approval

Board meets monthly to approve prospective homebuyers to the Home Ownership Program.


After Approval

Step 1:  Partner Support Committee Member Assigned

  • This step typically takes 1-2 weeks to complete

Once an applicant is approved by the Board of Directors, their information is turned over to our Partner Support Committee. A household is assigned a support partner to work with them through the process and through the first year after closing. Together with the support partner, a plan is created to complete the Home Ownership Program requirements.

Step 2: Homeowner Education Classes

  • This step typically takes 12 weeks to complete

All prospective Habitat homeowners are required to complete all required homeowner training sessions prior to closing on their home. Topics include financial management and budgeting, home maintenance, and financial and legal aspects of homeownership.

  • Legal Orientation - 2 hours

  • Home Maintenance - 2 hours

  • Pre-Purchase Education - 2 hours

  • Financial Management Training - 9 weeks, 18 hours

Step 3: Sweat Equity Hours

Each adult over the age of 21 must complete 250 hours of sweat equity hours that can include:

  • 125 hours of construction

  • 25 hours of classes and meetings

  • 100 sweat equity hours may be earned through other volunteer opportunities.


Equal Housing Opportunity Statement: 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, age, gender, religion, national origin, physical or mental limitation, height, weight, marital status, family responsibilities, educational association, condition of pregnancy, source of income, sexual orientation, gender identity, HIV Status, or other legally protected characteristics.