Harvey County Habitat for Humanity logo

Seeking to put God’s love into action, Harvey County Habitat For Humanity brings people together to build homes, communities, and hope. Habitat’s vision is a world where everyone has a decent place to live.


You Could Qualify For a New Home

If you answer yes to the questions below, READ ON, you may be a good candidate to apply for an affordable home with Habitat.

  • Will you work in partnership with Harvey County Habitat for
  • Humanity volunteers to build your home?
  • Do you live and/or work in Harvey County?
  • Do you have a Housing Need?
  • Do you have the Ability To Pay a monthly mortgage?

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…

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.

WILLINGNESS TO PARTNER

One cornerstone of Habitat for Humanity is “sweat equity.

If selected as a future homeowner, you will be required to:

  • Complete 350 hours of “sweat equity” (250 hours for single homeowner). These hours will be performed at the job site of your new home working on tasks such as (but not limited to) drywall, installing insulation, painting or cleaning etc. You may invite family, friends, and fellow employees or church members etc. to help you. Each homeowner must contribute a minimum of 100 of the total hours.
  • Participate in financial and home ownership education.
  • 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.

ABILITY TO PAY

To qualify for a home, you must have the ability to pay a monthly house payment. Habitat homes are not free. Habitat (through donations) has the opportunity to offer a home loan with 0% interest. A selected homeowner still has to pay back the principle along with monthly property insurance and property taxes.

  • To qualify for a home, you must have the ability to pay a monthly house payment. Habitat homes are not free. Habitat (through donations) has the opportunity to offer a home loan with 0% interest. A selected homeowner still has to pay back the principle along with monthly property insurance and property taxes. Things to Note:
  • 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 chart below) for Harvey County.
  • Perfect credit is not required.
  • Let us help you figure out if you qualify. Don’t disqualify yourself!!
Household SizeMin. 40% AMIMonthlyMax. 60% AMIMonthly
1$23,840$1,987$35,760$2,980
2$27,240$2,270$40,860$3,405
3$30,640$2,553$45,960$3,830
4$34,040$2,837$51,060$4,255
5$36,800$3,067$55,200$4,600
6$39,520$3,293$59,280$4,940
7$42,240$3,520$63,360$5,280
8$44,960$3,747$67,440$5,620
You must earn at least this much for your household sizeYou cannot earn more than this for your household size
*Based on gross income, before taxes

Opportunity within Habitat for Humanity: 

Being a part of a network of people who have a common goal to see you succeed.

  • Being a part of a network of people who have a common goal to see you succeed.
  • Living in a newly constructed home.
  • Enjoying all new appliances.
  • Monthly payment is based off 80% of the homes value.
  • Homeownership with a 0% Interest Home Loan! This saves you Tens if not Hundreds of Thousands of Dollars over the life of your loan!
  • Pride in owning your own home that is safe.
  • Receive free homeownership guidance about home maintenance, routine repairs and upkeep of a home.
  • Enjoy financial education and insights from the local board and community members.
  • Build Equity/Wealth in your home over the years.

We envision communities where people have achieved financial self-sufficiency, and housing that is affordable to their level of income, accessible to their level of need — where they can live in safety with dignity.

What’s Expected?

Once chosen to be a Habitat Homeowner, right away we want you to enroll in the financial education classes and participate in the savings program that our friends at Interfaith Housing provide.  The money you save -they will match 2 to 1 when you are active in their partnership program.

Why does this matter?

Habitat requires $1,000 to be saved by the future homeowner over the course of the construction of the home so it can applied toward closing costs when the home is completed and handed to it’s new owner. By participating in the Interfaith Housing program, that $1,000 saved is turned into $3,000 that is used for the closing costs and prepaid fees needed to activate the home loan.


Want to see if you are eligible to be the next Habitat Homeowner?

Click the ‘Apply Now’ Link Below to start the formal Application Process.

Want to have a few questions answered before completing the formal online application? No Problem! Just email us at info@harveycountyhabitat.org or call 316-202-8308.

What To Expect Next

When You Apply…There will be:

  • Questions about where you currently live.
  • Questions about your employment/income situation.
  • A credit report will be pulled.
  • A background check will be done.
  • You will need to provide a copy of Identification.
  • Proof of social security number / citizenship.
  • Copy of Income Documents ie Paystubs, W2’s, Taxes etc.
  • Most recent bank statements (all pages).