We Believe in You.
We believe everyone should have access to safe, stable, affordable housing. That's why we work together to help you build your new home. Along the way you'll also learn the skills you need to succeed as a homeowner.
simple. decent. affordable.
That was the sentiment of our founder Millard Fuller and that's what we aspire to do. Simple. Decent. Affordable. While every home is unique and varies in layout, size, and number of rooms, these are the features typical of a Habitat home. Habitat for Humanity builds new homes and rehabilitates older homes.
1,100 Square feet of space
1 & 2 story plans
new whirlpool appliances
1 1/2 bathrooms
energy star rated
central air & heat
high quality construction
a level playing field
Habitat for Humanity of Lafayette is an Equal Housing Opportunity organization and partners with individuals and families regardless of their race, gender, national origin, religion, sexual orientation, or familial status as long as they meet our homeowner qualifications.
Ready to Become a Homeowner?
need for housing
We serve families and individuals coming from inadequate housing situations. If your current living situation is unsafe, unstable, overcrowded, in poor repair, or too expensive for your income, you may be eligible to partner with us.
partner with us
Our families partner with us to complete 250 hours of sweat equity per adult family member and 100 hours for each child aged 16-17. In addition to working to build homes, partnering also includes completing financial and homeownership workshops.
Ability to pay
We evaluate every applicant’s financial situation and assess whether or not making a mortgage payment is realistic. We look at credit reports, current income and employment status, outstanding debt, and current monthly expenses.
"I didn't expect to get a renewed sense of self. here it was, every opportunity i wanted and needed to rebuild my life, given to me by people who were kind."
APPLICATION GUIDELINES
We serve families from seven counties who make between 40% and 80% of the area median income. To see if you qualify, select your county, find your family size, and see if your annual income falls within the range.
If you meet the guidelines below, and your income falls within the range, we encourage you to complete an application.
INCOME
- Make between 40% and 80% of the area median income. To see if you meet this guideline, refer to the chart under GROSS INCOME LIMITS; select your county, find your family size, and see if your gross annual income falls within the range.
- Must have at least 1 year of consistent income (via employment, SSI, SSDI, Pension, etc)
- Self employment income must have 2 years of tax returns
DEBT
- No unpaid debt in collections over $1,000 (this is debt that you owe that has been turned over to a 3rd party to collect payment from you because it was not paid to the original creditor)
- Total household debt cannot exceed 40% of the total household income
EMPLOYMENT (if employed)
- Must be with current employer for at least 6 months
- No more than 2 employers in the last 12 months
GENERAL
- Must have lived or worked in one of the counties we service for at least 1 year
- No bankruptcy within the last 3 years
- No evictions or foreclosures within the last 3 years
- Cannot have owned a home within the last 3 years
- Non permanent residents are not eligible
EXCEPTIONS:
-
- Displaced homemaker and have only owned a home with a former spouse
- Single parent who has only owned a home with a former spouse while married
- An individual who has only owned a property that was not in compliance with state, local, or model building codes, or other applicable codes and that cannot be brought into compliance with such codes for less than the cost of constructing a permanent structure.)
GROSS INCOME LIMITS
| Family Size | 40% AMI (Lower Limit) | 80% AMI (Upper Limit) |
|---|---|---|
| 1 | $23,270 | $46,500 |
| 2 | $26,600 | $53,150 |
| 3 | $29,930 | $59,800 |
| 4 | $33,200 | $66,400 |
| 5 | $35,870 | $71,750 |
| 6 | $38,530 | $77,050 |
*If USDA funding applies, terms and conditions may change.
READY TO APPLY?
We are currently not accepting applications into the homeownership program. If you would like to be placed on the email list to be notified when applications are open, please contact [email protected].
additional resources
Not everybody qualifies for a Habitat for Humanity home, but that doesn't mean we can't still help. Here are some additional resources and organizations if you need housing.
lafayette area organizations
The Lafayette Community is overflowing with individuals and organizations who can help. Here are just a few of them.