Apply for a Home

Check the calendar for the next homeowner meeting.
Please call 812-331-4069 to confirm date and time.

Habitat for Humanity is a nonprofit, ecumenical Christian housing organization that partners with families of all faiths to build simple, decent, and affordable houses. Habitat sells the homes with a 0% interest loan and at no profit, which keeps the cost of the home low.

In order to qualify for a Habitat home, applicants must meet three criteria through an application and interview process. The three criteria are:

1. Need for Housing
2. Ability to Pay
3. Willingness to Partner

Need for Housing
You will be considered for a Habitat home if your present housing is not adequate, and if you are unable to obtain adequate housing through other conventional means. Lack of adequate housing may include problems with the present structure; water, electrical or sewage service systems; heating system, hazardous substances, or failure to meet city property maintenance standards.

Year 2009 Guidelines
Family Size	25% Median Income	70% Median Income
One	$11,042	$30,917
Two	$12,625	$35,350
Three	$14,208	$39,783
Four	$15,792	$44,217
Five	$17,042	$47,717
Six	$18,333	$51,333
Seven	$19,583	$54,833
Eight	$20,833	$58,333

Ability to Pay
Since you will actually be buying your house from Habitat, you must demonstrate your ability to pay the monthly mortgage payment. This payment will include not only the mortgage payment, but the payment for real estate taxes and insurance. We will help you to determine if this payment will jeopardize your ability to meet all your other family financial obligations and expenses.

To be considered for a Habitat home, you must have at least one year of stable income coming into your household. We can include non-work related income such as food stamps, child support, TANF, Social Security, etc. as stable income if you can guarantee you will receive that income for the next three years.

All applicants will undergo a credit check, although we are not as strict as a bank might be. If there has been a bankruptcy in your past, it needs to be discharged for at least a year and you must demonstrate improved credit since then. If you have a court judgment resulting in a fine or settlement that is still unpaid, the judgment must be paid off in full. You must have a reasonable level of debt. Medical bills will not be counted against you.

Willingness to Participate as a Partner with Habitat
If selected, you become a "partner family". As a partner family each adult (18 years and over) will be responsible for completing 250 hours of "sweat equity" or volunteer hours with Habitat for Humanity through either construction, volunteering at the Habitat ReStore, or office work.