Homeownership Program
Build Your Future
Habitat for Humanity of Kosciusko County partners with local families who want to achieve safe, stable, and affordable housing. Our Homeownership Program helps you buy a home with a 0% interest mortgage while building the skills and stability that last for generations.
We don’t give homes away. We partner with people who commit to the process and put in the work to earn their opportunity.
Applications Currently Closed
We only open applications 1-2 times per year, and this application takes time. Please join our email list so that you can be notified of the next application cycle.
How the Program Works
Our program creates long-term impact by focusing on commitment, education, and partnership.
Every step prepares you for successful, sustainable homeownership.
Apply and complete our qualification process
Attend the required financial education and homeownership training
Invest your time through sweat equity hours
Partner with volunteers during the home build
Purchase your home with a 0% interest, 30-year mortgage
What You Gain
Homeownership changes more than your address. It changes your future. Homeowners build significantly more wealth than renters over time, creating opportunities that impact future generations.
Homeownership can also lead to higher high school graduation rates, greater access to college opportunities for children, increased civic engagement among adults, and improved overall health outcomes.
A safe, stable place to call home
A predictable and affordable monthly payment
Financial growth through home equity
A stronger foundation for your family
What We Look For In Applicants
We look for individuals and families who are ready to take an active role in their future. Our team reviews every application carefully to ensure each partner can succeed in the program.
You may qualify if you
Need safe, affordable housing
Demonstrate the ability to pay a monthly mortgage
Commit to completing education and sweat equity requirements
What Is Sweat Equity?
Sweat equity means you invest your time and effort into the process. You help build your home, support other builds, or serve in approved roles like the ReStore.
This hands-on involvement builds pride, confidence, and a strong commitment to your home.
That commitment leads to
Stronger homeowners
Stronger neighborhoods
Long-term stability for families in Kosciusko County
Build homes. Build hope.
Your Support Makes Homeownership Possible
It takes a community to build a home. When you give, volunteer, shop at the ReStore, or sponsor a build, you help create stability for families who are ready to work for it.
Step in and be part of something that lasts.