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How to Qualify

Can anyone apply to be a Habitat homeowner?

YES! Habitat follows a nondiscriminatory policy of homebuyer selection. 

To partner with Habitat to build a home, applicants must meet income guidelines (see charts below) and demonstrate: 

a need for housing  If you live in housing that is unsafe, overcrowded, too expensive, or inaccessible you can demonstrate need. Applicants impacted by systemic housing discrimination or experiencing barriers to homeownership are encouraged to apply.

a willingness to partner with us  The path to homeownership with Habitat requires teamwork. You agree to put in 200-300 hours of sweat equity, attend homeownership education classes, and maintain open and honest communication with our team. As partners, Dubuque and Jackson Counties Habitat will secure affordable financing to make sure housing costs do not exceed more than 30% of your household income. The path to homeownership with Habitat takes an average of 12-18 months from application to closing.

the ability to pay a long-term mortgage  You have the ability to buy your home and pay a long-term affordable mortgage and meet income criteria. You can demonstrate ability to buy because you have steady income, credit or alternate credit documentation, savings, and the ability to build your savings prior to closing on your home.

income guidelines:

Dubuque County 1 person 2 person 3 person 4 person 5 person 6 person 7 person 8 person
Minimum income (30% AMI) $18,400 $21,000 $23,650 $26,250 $28,350 $30,450 $32,550 $34,650
Maximum income (80% AMI) $9,000 $56,000 $63,000 $70,000 $75,600 $81,200 $86,800 $92,400


Jackson County 1 person 2 person 3 person 4 person 5 person 6 person 7 person 8 person
Minimum income (30% AMI) $16,950 $19,400 $21,800 $24,200 $26,150 $28,100 $30,050 $31,950
Maximum income (80% AMI) $45,150 $51,600 $58,050 $64,500 $69,700 $74,850 $80,000 $85,150


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.