homeownership
starts here

 
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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

 
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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?

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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. 

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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. 

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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."

Gross Income limits

Applications for home ownership are now available. You can pick up a physical application from our office at 420 S. 1st Street, Lafayette, IN, 47906 or receive a digital application by emailing Stepheney Bible at stepheney@lafayettehabitat.org

We serve families from six counties who make between 30% and 60% 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. 

The income qualifications at the time of application for the Habitat homeownership program are as follows:

  • No unpaid collections over $1,000
  • No bankruptcy within 3 years
  • No evictions or foreclosures within the last 3 years 
  • Cannot have owned a home within the last 3 years (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.)
  • Must have lived and worked in one of the counties we service for at least 1 year
  • Must have at least 6 months of consistent income (via employment, SSI, SSDI, etc)

 

Family Size 30% AMI (Lower Limit) 60% AMI (Upper Limit)
1 $16,650 $33,240
2 $19,000 $37,980
3 $21,400 $42,720
4 $23,750 $47,460
5 $25,650 $51,300
6 $27,550 $55,080

READY TO APPLY?

Habitat for Humanity of Lafayette will be accepting applications starting on 11/9/2022 at 12:01 AM and running through 11/23/2022 at 11:59 PM. Once submitted, Habitat will contact you within 30 days regarding the status of your application.

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. 

FINANCIAL COACHING

If you need help repairing your credit, saving money, making a budget, or lowering your expenses, before applying for a Habitat home, please contact us and ask about our Financial coaches. 

lafayette area organizations

The Lafayette Community is overflowing with individuals and organizations who can help. Here are just a few of them.