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.

Homeownership Intake Form

Homeownership FAQ

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 Annual Income	Maximum Annual Income
1	$32,220	$42,950
2	$36,840	$49,100
3	$41,460	$55,250
4	$46,020	$61,350
5	$49,740	$66,300
6	$53,400	$71,200
7	$57,120	$76,100
8	$60,780	$81,000

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 email us at admin@jacksonhabitat.org to have one mailed to you.

Homeownership Intake Form