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Homeownership

Habitat for Humanity of Metro Denver provides the opportunity for low-income families to partner with us to become homeowners.  Through our Homeownership program, we sell homes to qualified families at an affordable mortgage rate, no down payment, and a set monthly mortgage payment that does not exceed 30% of your gross monthly income.  From the time a family applies to when they can move into their home, the process takes about 9 months for new construction and about 5 months for renewed homes.

At Habitat Metro Denver, we know that homeownership plays a critical role in breaking the cycle of poverty.  We built 35 homes in 2016, helping families achieve the dream of homeownership.  Click here to read the results of a 2012 survey reporting on the positive impact of homeownership on Habitat partner families.

Click here for a printable information page about our Homeownership Program.

Program Qualifications

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Habitat does not give homes away.  We are a mortgage lender and sell homes to qualified families.  Read more about our qualifications to determine if Habitat’s homeownership program is right for you.  Qualification is determined by an applicant's current need for housing, their willingness to partner with Habitat, and their ability to pay for the home.

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View Upcoming Homes

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Habitat works in Adams, Arapahoe, Denver, Douglas, and Jefferson counties. When shopping for a home, please consider its location, size, style, price and any other features that are important to you and your family.  Interested homebuyers can apply for the property of their choice.

 

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How to Apply

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If you are interested in a home we are offering, the first step in applying is attending an Application Session.  Habitat holds an Application Session every few months.  Applications for our homes are only available at Application Sessions or by special request (the application is NOT available online).  Habitat considers all of the applications we receive.  You can expect the application process to take two months.

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Partnership Requirements

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After an applicant family is selected for a home, they become a Habitat Partner Family and will begin their Partnership Requirements. Partner families build their home in partnership with Habitat staff and community volunteers.  Homes are usually ready between five to seven months after a family is selected.  Once all partnership requirements are complete, the family will buy the house from Habitat, becoming the owner of their own home!

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Do you have any questions?

Frequently Asked Questions