A Path to Affordable Homeownership
Habitat partners with local families to build safe, affordable homes in La Plata County.
Homeownership Program FAQ’s
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No. Habitat for Humanity does not give away homes. Selected families and individuals partner with Habitat to purchase an affordable home through a Habitat mortgage. Future homeowners contribute sweat equity, participate in the homeownership process, and take on the responsibility of monthly mortgage payments.
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ndividuals and families who demonstrate a need for safe, affordable housing, have the ability to make an affordable mortgage payment, and are willing to partner with Habitat may apply.
Applicants must also meet the program's applicable income, residency, credit, and background requirements. Each application is evaluated individually.
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Habitat La Plata's published eligibility information does not specify a first-time homebuyer requirement. Contact our office to discuss your circumstances and determine whether you may qualify.
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After receiving your application and supporting documents, Habitat La Plata reviews the information to evaluate your eligibility and housing needs.
The homeownership journey may include:
Application and document review.
Meeting with our team.
Further evaluation of your household's qualifications.
Approval and partnership with Habitat.
Completion of sweat equity and other program requirements.
Home purchase and closing.
Submitting an application does not guarantee selection.
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Sweat equity is the time and effort future homeowners contribute as part of their partnership with Habitat.
This involvement helps future homeowners become active participants in the process of creating affordable housing. It is an important part of Habitat's homeownership model and reflects the partnership between homeowners, volunteers, and the community.
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Selected homeowners are required to complete sweat equity as part of their partnership with Habitat. The specific number of hours and approved activities are determined by the local program.
Habitat La Plata will explain the requirements to selected applicants.
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Habitat's national homeownership model allows for different forms of participation in completing sweat equity requirements. Please speak with Habitat La Plata about who may contribute hours and which activities qualify under our local program.
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Housing need means your current housing situation may not be safe, adequate, or affordable for your household.
Examples may include:
Paying an unsustainable portion of your income toward housing.
Living in overcrowded or inadequate housing.
Living in housing that does not adequately meet your household's needs.
Habitat evaluates each applicant's circumstances to determine their need for affordable housing.
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Applicants must meet Habitat La Plata's applicable household income guidelines.
In addition to income eligibility, applicants must demonstrate the ability to make an affordable monthly mortgage payment. Habitat La Plata's published FAQ identifies approximately 30% of gross (pre-tax) monthly household income as the basis for determining mortgage affordability.
Specific income limits depend on household size and applicable program guidelines. Please contact our office for current requirements.
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The application process requires supporting documentation so we can evaluate your household's financial situation and eligibility.
Documents you may need include:
Recent pay stubs.
Tax returns for the last two years.
Photo identification.
Bank statements for the last two months.
Proof of residency.
Child support documentation, if applicable.
Benefit statements, if applicable.
Additional documentation may be requested depending on your circumstances.
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Habitat homes are built through partnerships involving future homeowners, volunteers, and Habitat staff. The program is based on participation and partnership, not simply on having professional construction skills.
Contact our team to learn more about the participation requirements.
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Habitat La Plata works with future homeowners to identify an affordable homeownership option. The local program's published FAQ identifies approximately 30% of gross monthly household income as the basis for determining mortgage affordability.
Your actual mortgage payment will depend on your household's circumstances and the specific home and financing arrangements. Individual payment details are discussed during the homeownership process.
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The timeline can vary depending on application review, program requirements, home availability, construction schedules, and completion of partnership requirements.
Contact Habitat La Plata for information about the current application process and anticipated opportunities.
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No. All applications are subject to review and the local homeowner selection process. Applicants must meet the program's eligibility requirements and demonstrate housing need, ability to pay, and willingness to partner with Habitat.