Program Qualifications

Want to find out if you’re eligible to participate in our homeownership program? 

Review the financial and general qualifications below to understand the criteria for being selected into our program:

Financial Requirements


  • Maintain a monthly gross income within our income guidelines (see chart below)
  • Have less than $2,000 in unpaid collections
  • Including a Habitat mortgage payment of 30% of household income, have a debt-to-income (DTI) ratio of less than 43%
  • Have at least two years since discharged from bankruptcy
  • Minimum of six consecutive months of employment on all current jobs, or 2 years if self-employed


Household Size

Minimum Monthly Income

Maximum Monthly Income































Habitat for Humanity Income Guidelines (Updated May 2019)

General Requirements


  • Must have lived or worked in metro Denver for at least 6 months (incorporated Adams, Arapahoe, Denver, Douglas and Jefferson counties)
  • You must be a U.S. Citizen or Legal Permanent Resident (green card)
  • You cannot currently own a home
  • If married, both spouses must be co-applicants and your spouse must live in the metro Denver area (they cannot live outside of the country)
  • You cannot be a sex offender


Habitat Housing Information Session

Ready to learn more?

The link to the Oct. 1 registration form is open!

Here's what you can expect to learn during the information session:

  • How the Habitat Homeownership Program works, including qualifications and partnership agreements
  • Preliminary financial calculations to determine your maximum affordable mortgage amount
  • Available houses and condos for sale
  • Time and assistance to fill out a program application

You do not need to fill out an online application if you are registered for the Information Session as there will be an opportunity for you to fill one out in-person.

The Habitat Computer Lab will be open from 10 a.m.  to 4 p.m. Mondays and Thursdays. If you are interested, please call the frront desk 303-534-2929 to schedule an appointment.


Do you meet our program qualifications and want to learn more about the steps to become an owner of a Habitat home?


Learn About our Homeowner Information Sessions in Aurora


Learn About our Homeownership Process


View Current Properties



Not quite ready to become a Habitat homeowner?

If you don’t currently meet all of the requirements above, that’s okay!  Click here for additional resources including financial coaching to help you understand how to budget, pay down debt, and plan for the future.


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We are pledged to the letter and spirit of the 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, sexual orientation, gender identity, handicap, familial status, or national origin. 

Habitat for Humanity of Metro Denver is a 501 (c) nonprofit organization, FEIN: 74-2050021 see our About Us page for more organization information.