Home Ownership Eligibility

Habitat for Humanity of Madison & Clark Counties empowers people who qualify to build and buy their own homes.

Selected families commit to 350 hours of “sweat equity”, a 1% down payment, attendance at finance workshops, education on home safety, and monthly mortgage payments set at no more than 30% of household income.

Eligible applicants must:

  • have lived in Madison or Clark County for at least one year
  • have a stable income
  • be able to pay modest monthly mortgage payments
  • demonstrate that current housing is overcrowded, physically substandard, too expensive, unsafe, or they are living in subsidized housing
  • be willing to partner with Habitat for Humanity of Madison & Clark Counties.
  • Selected families must save for a 1% downpayment and pay their first year’s homeowners’ insurance. Our mortgages are typically written for 20 to 25 years.