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How to Qualify

Can anyone apply to be a Habitat homeowner?

YES! Habitat follows a nondiscriminatory policy of homebuyer selection. We support affirmative marketing, equal housing opportunity, and adhere to national, state, and local anti-discrimination laws. Dubuque and Jackson County Habitat actively works to remove barriers to obtaining housing because of race, color, religion, sex, disability, familial status, national origin, sexual orientation, gender identity, creed, age, marital status, or sources of income.

To partner with Habitat to build a home, applicants must meet income guidelines (see charts below) and demonstrate a need for housing, willingness to partner, and the ability to pay a mortgage.

a need for housing  Applicants ready to partner with Habitat for homeownership struggle with housing that is inadequate. Inadequate housing is often one or more of the following: unsafe, unaffordable, unhealthy or inaccessible. Need is established based on a variety of factors, including, but not limited to: the condition of current housing, space considerations, and cost burden.

a willingness to partner with us  Applicants must demonstrate their willingness to partner with Habitat by investing sweat equity in their home. Homeowners will put in 200-300 hours of sweat equity prior to moving into their home. Hours can be completed by working on the build site, attending first-time homebuyer classes, or volunteering at approved community events.

the ability to pay a long-term mortgage  Applicants must demonstrate an ability to pay a long-term mortgage and must meet income criteria. Habitat homeowners purchase their home. We secure affordable financing to make sure housing costs do not exceed more than 30% of the households income.

income guidelines:

Dubuque County (maximum household income can vary by funding source)

Household Size (50%) Income Limit (80%) Income Limit
1 $27,600 $44,150
2 $31,550 $50,450
3 $35,500 $56,750
4 $39,400 $63,050
5 $42,600 $68,100
6 $45,750 $73,150
7 $48,900 $78,200
8 $52,050 $83,250


Jackson County (maximum household income can vary by funding source)

Household Size (50%) Income Limit (80%) Income Limit
1 $25,250 $40,440
2 $28,850 $46,200
3 $32,450 $51,950
4 $36,050 $57,700
5 $38,950 $62,350
6 $41,850 $66,950
7 $44,750 $71,550
8 $47,600 $76,200

 

Notice: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age; because all or part of the applicant’s income derives from any public assistance program; or because the applicant has exercised in good faith any right under the Consumer Trade Commission, Washington, D.C. 30580

We 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, national origin, age, marital status, or sources of income.