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































Income Chart (Updated July 2018)

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


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Ready to learn more?

Sign up for our upcoming application session on Wednesday, March 20th from 6:00pm-8:00pm!  At this session you'll learn about our application process, property offerings, selection criteria, and credit counseling resources. You will also have an opportunity to complete a Habitat homeownership application.

Click here to sign up!


Learn About our Homeownership Process


View Current Properties


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Our online application is closed at this time. It will be available April 1st.


*Don't have access to a computer, or need technical assistance?

We offer access to technology as well as one-on-one assistance in our new computer lab to learn about our program..

Computer Lab Location: Habitat Denver Office, 3245 Eliot St., Denver, CO, 80211

Computer Lab Hours: Mondays and Thursdays from 10-4pm

Please note that you must have an appointment to use the lab. If you're interested in using the computer lab, please click here to schedule an appointment.


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.