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BUILD YOUR DREAM!

HOME OWNERSHIP ELIGIBILITY

Spencer County Habitat for Humanity empowers people who qualify to build and buy their own homes. Selected families commit to at least 250 hours of “sweat equity,” a 1% down payment, attendance at finance workshops, education on home safety, and monthly mortgage payments set at no more than 30% of household income.

ELIGIBLE APPLICANTS MUST:

have lived in Spencer County for at least one year have a stable income
be able to pay modest monthly mortgage payments
demonstrate that current housing is overcrowded, physically substandard, too expensive, unsafe, or they are living in subsidized housing
be willing to partner with Spencer County Habitat for Humanity
Selected families must save for a 1% down-payment and pay their first year’s homeowners’ insurance. Our mortgages are typically written for 20 to 25 years.

Click here for Qualifications

HOME REHABILITATION

Spencer County Habitat for Humanity is making a strategic shift in its work in the community, focusing equally on home rehabilitation as well as new home construction. This shift in philosophy expands the Spencer County Habitat “toolbox”, to include rehabs, critical home repairs and weatherization, and will give the affiliate the opportunity to serve more families, many of them older or handicapped.

This population faces very serious housing issues that pose a significant risk to their health and well-being because many are living on fixed incomes with few resources to make modifications or critical repairs. Hazards include inaccessible bathrooms, steep staircases, narrow halls and dated electrical systems.

Spencer County Habitat will continue to build new homes, when possible. We will also begin to identify those in need of home rehabilitation, particularly the elderly and disabled. Consistent with our current financial policy, costs for these projects will remain low as we use volunteer labor where possible, provide a no-interest payment plan with the homeowner and work on a case by case basis with each individual to ensure payments are affordable. We offer a “hand up, not a hand-out” to those that qualify.

Click here for Qualifications

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BE A PART OF IT!

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