requirements

Habitat for Humanity of Harvey County envisions a world where everyone has a decent place to live. We seek to put God’s love into action by bringing people together to build homes, communities, and hope.

To be selected as our Homeowner Partner, basic requirements include: (change to bulleted list):

  • You must live and/or work in Harvey County,
  • demonstrate a housing need,
  • have the ability to pay a monthly mortgage,
  • and be willing to partner with Habitat for Humanity of Harvey County.

family with Habitat House

We will begin accepting applications for our 2023 home August 15 – September 30 2022. The qualified, selected homeowner partner will help build their home with the goal of being in their home by the end of the 2023.  If you apply, a Qualified Loan Originator (QLO) will interview you to talk about your needs and assist you with the application process. We will verify employment, income, and statements from your landlords, and check your credit and other references. Habitat for Humanity of Harvey County applicants must live or work in Harvey County and must be a U.S. Citizen or legal permanent resident. Applicants cannot be on a sex offender registry.

If you are interested, attend one of our upcoming public meetings, contact us for an application packet, or click on the links below to print the application and begin completing it today. Above all, do not disqualify yourself over a technicality. Let us talk with you to see if you qualify.

Equal Housing Lender logoWe are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status or national origin.

housing need

To qualify for a Habitat home, you must have housing need. Perhaps your present home has structural problems, too few bedrooms, or you live in an unsafe neighborhood. Spending more than 30% of your monthly income on rent and utilities may also qualify you.

Applicants must demonstrate one of the following:

  • Present housing has problems with structure, mechanical systems, or fails to meet city codes.
  • Number of bedrooms is inadequate for household size.
  • Spends more than 30% of monthly income on housing and utilities.
  • Current housing is otherwise unsafe.


ability to pay

To qualify for a home, you must have the ability to pay. Habitat homes are not free. You will need to make an affordable monthly mortgage payment. These mortgage payments, along with private donations, make it possible for Habitat to build homes. You must have a minimum of $1,000 before loan closing. This amount is applied to your closing costs.

Your annual income must be between 40-60% of median family income (see below) for Harvey County.

Perfect credit is not required, but a credit report will be reviewed as part of determining your ability to pay. Excessive debt and recent bankruptcies will be considered. Don’t disqualify yourself. Let us help you figure out if you qualify.

Contact us to see if you qualify

Household Size 40% Min. AMI Monthly 60% Max. AMI Monthly
1 $23,760 $1,980 $35,640 $2,970
2 $27,160 $2,263 $40,740 $3,395
3 $30,560 $2,547 $45,840 $3,820
4 $33,920 $2,827 $50,880 $4,240
5 $36,640 $3,053 $54,960 $4,580
6 $39,360 $3,280 $59,040 $4,920
7 $42,080 $3,507 $63,120 $5,260
8 $44,800 $3,733 $67,200 $5,600
You must earn at least this for your household size You cannot earn more than this for your household size

This is your gross income, all the income you receive prior to taxes being taken out.

willingness to partner

One cornerstone of Habitat for Humanity is “sweat equity.”

  • If selected as a partner family, you will be required to:
  • Complete 350 hours of “sweat equity.” These hours will be performed at the job site of your new home. You may invite family, friends, and fellow employees or church members to help you. Each homeowner must contribute a minimum of 100 of the total hours.
  • Maintain an open line of communication with the Habitat for Humanity of Harvey County Qualified Loan Originator, and Homeowner Advocate.
  • Make monthly mortgage payments. Your payments allow us to help others.
  • Maintain the appearance and condition of your home in a manner consistent with city code and neighborhood standards.
  • Share your success story as Habitat carries out public relations and marketing activities.

Ready to begin the application process?

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Contact us to get started