*The Application Cycle is closed. For questions, contact the office.*

Thank you for your interest in the Brown County Indiana Habitat for Humanity Homeownership Program. We believe that everyone should have a safe, affordable place to call home and we assist consumers by offering a hand-up, and not a hand-out. Our application process is multi-step, and involves helping prospective individuals prepare for the various responsibilities of homeownership, including learning about personal finances, mortgages, maintenance and upkeep of homes, and more. Our application collects information that will allow us to determine your qualification based on our three criteria; Need, Willingness to Partner and Ability to Pay, each are further defined below.

Need is evaluated based on total household income which must be within the range listed below, and your need for better housing. Current residence that is temporary, over-crowded, more than 30% of your income goes to rent, or inadequate such as problems with the structure; electrical or sewage service systems are examples of need for a better housing.

Household Size    Income Range
1                             $20,310 – $54,160
2                             $23,220 - $61,920
3                             $26,130 - $69,680
4                             $29,010 - $77,360
5                             $31,350 - $83,600
6                             $33,660 - $89,760
7                             $36,000 - $96,000
8                             $38,310 - $100,260 

Willingness to Partner requires approved applicants to complete 250 sweat equity hours. These hours will be spent taking classes on financial education, preparing and maintaining a budget, and assist in the construction of HFH homes including the one that will be assigned to you. In preparation for maintenance and basic repairs of the house you will purchase, classes on home maintenance is also required.

Ability to Pay will be evaluated based on income and debts to determine that the affordable mortgage can be paid each month along with other obligations such as childcare and utilities.