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:


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
  • 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
  • Note: Monthly income-requirement information is provided for each property.

View Our Virtual Homeownership Info Session

Reserve the Habitat Computer Lab

Starting Tuesday, July 7th, the Habitat Computer Lab will be open for reservations from 10:30 a.m. - noon on the first Tuesday of the month and from 2 - 4 p.m. on the third Tuesday of the month.

Please note the following:

  • Reservations are required. We will not accept walk-ins.
  • Masks will be required at all times.
  • If you have reserved a spot but begin to develop COVID-19 symptoms, please call the Family Services hotline at 720-496-2726 to cancel your reservation.

Reserve the Habitat Computer Lab.

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.