14293427915_8358f8bf35_oTHE HABITAT PROGRAM

Homeownership with Habitat Brochure

Habitat is a Christian ministry, dedicated to eliminating sub-standard housing. Since 1986, Habitat has built over 150 homes for low-income, hard-working families in our community.

Habitat finances the building of homes through individual and corporate sponsorship and much of the labor is donated by area volunteers. Qualified families invest hundreds of hours in educational classes, on Habitat worksites, and eventually in the building of their own home.

Families purchase their home at the cost of the materials and at zero percent interest. Monthly mortgage payments are not only affordable, but fuel the building of other homes in our community.

If you are interested in becoming a Habitat partner family, please plan on attending one of the next informational meetings to get your application!

Monday, August 31st, 4:30-5:30pm @ South Bend Downtown Library (Colfax Auditorium)

Wednesday, Sept. 2nd, Noon-1:00pm @ Mishawaka Downtown Library (Lions Room)

Friday, Sept. 4th, Noon-1:00pm @ South Bend Downtown Library (Colfax Auditorium)

Tuesday, Sept. 8th, 4:30-5:30pm @ Mishawaka Downtown Library (Lions Room)

Thursday, Sept. 10th 6:00-7:00pm @ Mishawaka Downtown Library (Friends Room)

Saturday, Sept. 12th Noon-1pm @ South Bend Downtown Library (Colfax Auditorium)

(Subject to change)

  1. Ability to pay
  2. Need for Housing
  3. Willingness to partner
  1. An interested family first attends an informational meeting, after which they will be given an application.
  2. The applicant must then complete and submit the application by the deadline.
  3. All applications will then be reviewed in order to determine if the family meets the minimum income requirements.
  4. If so, the family will schedule and attend a financial assessment meeting.
  5. The family will schedule and attend a housing inspection meeting.

If at any time the applicant fails to comply with the process requirements, they will be deselected from the application process and encouraged to reapply at a later date.

The following table lists the minimum and maximum gross annual income as defined by the 2015 HUD Median Income.

Family SizeMinimum Annual IncomeMaximum Annual Income


Begin collecting the following documents that will need to be turned in with your application, for both the applicant and co-applicant:

  • Copies of last three months of pay stubs for each applicant
  • Copies of the last two years of tax returns & W2s of each applicant
  • Copies of the last two months of bank statements of each applicant
  • Copies of drivers license or state identification card of each applicant
  • Copies of social security card of each applicant
  • Divorce decree (if applicable)
  • Verification of SSI/Disability for all applicable household members
  • Verification of Food Stamps or AFDC/TANF (if applicable)
  • Court order for Child Support or Alimony income (if applicable)


Contact us if you’re interested in owning a home in St. Joseph County, Indiana.