Apply For The Homeownership Program
Your First Step Toward Safe, Affordable Housing
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.
Habitat for Humanity of Kosciusko County partners with individuals and families who are ready to invest in their future through homeownership. Our homeownership program helps qualified applicants build strength, stability, and self-reliance through affordable housing and active partnership in the process.
We look for people who show commitment, take initiative, and want to create lasting change in their lives. If you’re ready to put in the work and take the next step, we’re ready to partner with you!
Application Program Steps
Step 1
Apply
This step takes 1–2 months as we review your financial and housing situation to determine eligibility, prioritizing those with the greatest need.
Step 2
Orientation
Once approved, you’ll meet with our team to review program details, expectations, and next steps.
Step 3
Sweat Equity + Classes
Each household adult completes 250 hours of sweat equity through classes and volunteer work, with accommodations available if needed.
Step 4
Construction
After land and funding are secured, construction begins, typically within a year, and takes about six months to complete.
Step 5
Closing
As your home nears completion, we guide you through closing with a 0% interest mortgage designed to remain affordable.
Step 6
Homeownership
You’ll step into the responsibilities and rewards of owning your home, with continued support from our team as needed.
What to Expect
Our application process ensures we partner with people who can succeed in our programs. We guide you through each step so you know what to expect from the process.
Submit your application and supporting documents online
Meet with our team for an in-person interview
Complete a home visit to assess housing needs
A volunteer committee reviews blinded applications and selects qualified applicants
Homeownership Program Application
This program is designed for homeowners who are committed to maintaining their homes and continuing to live in their communities.
If you’re ready to put in the work and take the next step toward homeownership, we’re ready to partner with you.
Why Apply With Habitat For Humanity?
Choosing Habitat for Humanity means partnering with an organization that invests in your long-term success. Beyond building homes, Habitat provides education, support, and an affordable path to help you achieve and sustain homeownership.
Partcipants can:
Gain valuable financial education
Gain hands-on construction experience
Benefit from a 0% interest mortgage loan
Receive ongoing education and support after closing
Own a home that's truly theirs
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.