Program Qualifications

In an effort to help our community remain safe and healthy, our main office, construction sites and ReStores are closed to the public for the time being. We will reopen as soon as it’s safe to do so.

Learn more about our response to the COVID-19 outbreak.

 

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:

Requirements

General Requirements

  • Must have lived or worked in metro Denver for at least six months (incorporated Adams, Arapahoe, Denver, Douglas and Jefferson counties)
  • Must be a U.S. citizen or legal permanent resident (green card holder)
  • Cannot currently own a home
  • If married, both spouses must be co-applicants, and your spouse must live in the metro Denver area (cannot live outside the country)
  • Cannot be a sex offender

Financial Requirements

  • Maintain a monthly gross income within our income guidelines (see sample Income 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
Income Chart

*Note: To find specific information about individual Habitat Denver properties, including income specifications for a particular property, please attend an information session. All upcoming information sessions will be posted on this page as they become available.

Household SizeMinimum Monthly IncomeMaximum Monthly Income
1$2,708$4,333
2$3,096$4,953
3$3,483$5,573
4$3,876$6,187
5$4,179$6,687
6$4,488$7,180
7 $4,796$7,673
8$5,104$8,167
9$5,417$8,666
10$5,725$9,160

Habitat for Humanity Income Guidelines
(Updated May 2019)

How to Apply

There are two ways to apply to become a Habitat homeowner:

  1. Apply online through a link that will next be available on this site on April 6.
  2. Apply in person by attending an information session.

You do not need to fill out an online application if you attend the in-person information session, where you can complete the application.

Habitat Computer Lab Available by Appointment

The Habitat Computer Lab is currently available by appointment only. Please call the front desk 303-534-2929 to schedule an appointment.

Attend an Information Session!

By registering for our information sessions, you can:

  • learn how the Habitat Homeownership Program works, including qualifications and partnership agreements;
  • determine your maximum affordable mortgage amount through preliminary financial calculations;
  • see available homes;
  • complete a program application with a Habitat staff member's assistance.

Check back soon for new session dates!

Not Quite Ready for Habitat Homeownership?

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

Habitat Metro Denver pledges to be an equal housing provider.

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.