Homeownership Program
Applications are open August 10 - September 4. Scroll down to learn more!
Learn more about the application
We will be accepting applications starting on Monday, August 10 through Friday, September 4 at 4pm. When your application is complete and you have all your documents, contact the Habitat office to schedule your application appointment. You can reach us by phone at 574-269-4104, ext 3, Monday – Friday between the hours of 8:30am and 4:30pm or by emailing apply@kosciuskohabitat.org. A completed application with all required documents must be submitted by appointment by the deadline to be considered.
Use the buttons below to view our Application Guide, view the Income Levels for the program, Download the Application and submit your Application and Required Documents. A paper copy of the application is available at our ReStore in Warsaw. It is located at 3970 Corridor Drive, Warsaw, IN 46582 and is open Thursday, Friday and Saturday from 10-5.
Applications are currently closed.
We only open applications 1-2 times per year, and this application takes time. Please join our email list using the form on this page so that you can be notified of the next application cycle.
Feel free to call our office at (574) 269-4104 or email us at apply@kosciuskohabitat.org if you have questions about the application or program.
Program Steps
Apply
This takes 1-2 months from beginning to end. We’ll take an in-depth look at your current financial and housing situation and determine if you qualify for the program. Please note, we can only accept a few applications at a time, and will strive to pick people who show a great need for housing.
Orientation
Once approved, we meet with you to explain all the details of the program and what will be required of your family.
Sweat Equity + Classes
As part of the program, each adult in the household is required to put in 250 hours of work with Habitat (with a household max of 500 hours). This includes attending financial and homeownership classes, as well as working on the build site and in the ReStore. Exceptions can be made for those with physical limitations.
Construction
Once land is secured and the funding is in hand, we will break ground on your future home! Our goal is to do this within 1 year of your acceptance into the program, but that is ultimately up to availability of land and funding. Construction takes ~6 months to finish.
Closing
As your home is nearing completion, we will begin preparing to close on your home. Each Habitat home is “sold” back to the family with a 0% interest mortgage. Habitat ensures that the monthly mortgage payment (including property taxes + insurance) is within 30% of your gross monthly income at closing. We will work with you at every step in the process!
Homeownership
Congrats, you are now a homeowner in Kosciusko County! We will still be here to help you adjust to this responsibility, but your home is now your own. Want to paint a wall? Do it! Your kids punched a hole in the drywall? Well, that’s the joy of homeownership!