Looking to own a home?
The Habitat for Humanity Homeownership Program provides you with the coaching, education and support to be successful in your homebuying journey. We can help you buy a home you love with a mortgage you can afford. Your homeownership options may include buying a home built or rehabbed by Habitat.
Why buy with Habitat?
- Affordable mortgage* with monthly payments that are affordable to families.
- Homebuyer education classes prepare you for the responsibilities of homeownership.
- Post-purchase support provides maintenance advice, resources, and opportunities to connect with your community.
- We are a trusted partner. For over 30 years, Habitat for Humanity Chicago South Suburbs has helped families buy an affordable home.
- Not financially ready yet? Attend our homeownership information session and learn about a customized action plan to help you learn to manage your budget, pay off debt, understand credit, and save for your home purchase.
Criteria for Becoming a Habitat Homeowner
- Need for housing. Current home is overcrowded, unsafe, too expensive, etc.
- Ability to pay. Stable work history, manageable debt load, absence of liens.
- Willingness to partner. Prospective homeowners must INVEST a minimum of 250 hours of “sweat equity” for each applicant and co-applicant by working on Habitat for Humanity Chicago South Suburbs homes, at fundraisers and events, at the ReStore, or in the office. Some hours must be invested in budgeting and financial classes.
- Live or work in Illinois
- Meet Habitat income guidelines, chart below.
| Family Size |
Minimum Income 30% of MFI |
Maximum Income 60% of MFI |
| 1 | $19,150 | $38,300 |
| 2 | $21,850 | $43,700 |
| 3 | $24,600 | $49,200 |
| 4 | $27,300 | $54,600 |
| 5 | $30,680 | $61,360 |
| 6 | $35,160 | $70,320 |
| 7 | $39,640 | $79,280 |
| 8+ | $44,120 | $88,240 |
Until further notice, sessions will be held virtually. Registrants will be provided with further virtual session information.
