Thank you for your interest in becoming a Habitat homeowner. We believe that everyone should have a safe, affordable place to call home.

To carry out our vision, we partner with individuals and families from application through construction to when the keys are handed over.

By working with us from beginning to end, we can help prospective individuals prepare for the various responsibilities of homeownership, including learning about personal finances, mortgages, maintenance and upkeep of homes, and much more.

Habitat’s path to homeownership is an important and in-depth process, requiring hard work, time and dedication. But this helps to ensure the long-term success of Habitat homeowners.

Does Habitat give away houses? 
No, we help individuals and families purchase their homes.

Does Habitat rent houses?
No, Habitat houses are purchased. 

Is residency in Chaffee County a requirement for applying for a Habitat house? 

CCHfH selects homeowners who have lived or worked in Chaffee County for one year earning between 30-80% of the area median income. 

How are homeowners selected?

  • Need: existing shelter is either inadequate, sub-standard, or cost-burdened
  • Ability to repay: a zero equivalent mortgage that is no more than 30% of a family’s monthly income.
  • Willingness to partner with Habitat: partnering includes completing 250 hours of sweat-equity per adult working on their home or another Habitat home, attending homeownership classes, and participating in Habitat events.

Why is a Habitat home affordable?

  • Deed Restrictions on both the ground lease & the home are designed to stay affordable for homeowners earning between 30-80% of the area median income (AMI).
  • Volunteer labor & in-kind corporate donations from local/national businesses. 
  • Zero-equivalent interest & payments are never more than 30% of a family’s monthly income. 

How do I apply?
Complete a HOUSING INTEREST FORM or call our office at 395-0482.

When can I get information about the homeownership program?
Anytime!  Complete the homeownership interest form & someone from our homeowner services team will be in contact with you.

What if I am not physically able to do the work on a home construction site?
No problem. We’ll work with you to find the most suitable place to complete your “sweat equity” hours.

How much is the monthly house payment?
That depends on the final cost of each home. Monthly mortgage payments are never more than 30% of your monthly income. 

Can I get a home right away?
Habitat for Humanity is a long-term housing solution and the process takes about a year from start to finish.

  • We build 1 or 2 homes during the year.
  • If one of our current homeowners decides to sell their home back to us, we can have more homes available each year.

Who will maintain and make repairs on my Habitat home?
Like any other homeowner, you will be responsible for taking care of your own home.