How does it Work?
Willing to partner with Habitat For Humanity Owensboro-Daviess County means you want to be apart of something great, something unique.
Qualifying For Habitat’s Homeownership Program
Willing to partner with Habitat For Humanity Owensboro-Daviess County means you want to be apart of something great, something unique. Your family will be fully involved with learning how to put together the building blocks needed to start building a better future for themselves and the family. Qualified Partnership Families demonstrate the willingness, the need, and the ability to make homeownership a reality.
- Qualified families must be willing to partner with Habitat Owensboro-Daviess County. Once a family has been thru the application process and selected, the families will volunteer or put in “sweat equity” time working on their home, other homes, educational classes and other approved volunteer activities required by the partnership with Habitat. At a minimum, they must provide at least 350 hours towards this sweat equity.
- Families must also demonstrate a financial need to qualify. This is calculated as a percentage of the Area Median Income (AMI). To determine if you are income-qualified, compare your regularly occurring gross annual income to the chart below. Your income should include most funds you are receiving, including social security, disability, and/or child support. SNAP (food stamps) and TANF are not counted as income.
- Habitat works on a hand-up not a hand-out model. Potential home buyers must have a steady income in order to pay an affordable mortgage. This is determined by the Area Median Income (AMI). AMI is based on the gross household income (i.e. the income of everyone who will in live in the home before taxes) and family size. For example, a single head of household with 2 children is a family of 3. On the other hand, 2 adults with one child is also a family of 3. Finally, AMI is evaluated by where the home will be located.
Other Important Information
Habitat Owensboro-Daviess County has limited amount of property inventory. This means that we may not always have a lot size to build a home that fits the family’s needs, at the time the family is ready for assignment. Acceptance into the Habitat Partnership program DOES NOT GUARANTEE you will receive a home.
Candidate families are selected from approved applicants.
All the information about candidate families collected by Habitat Owensboro-Daviess County is kept confidential. Please make a copy of all the materials you send to us and keep your records together in a safe place.