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Apply to the Habitat Homebuyer Program.


We are not currently accepting homebuyer applications. For information about the next application period, please call the office at 812-265-9697 or email us at

Everyone should have
a safe, affordable home.

We strive to assist families making 80% or less of the area median

income afford their own home. Affordable costs of housing are

a priority at Habitat. We provide mortgages at no more than

30% of the family’s monthly income with zero interest.

Our partner families work very hard during the construction

process through Sweat Equity. Requirements for Sweat Equity

hours range from 250-450 hours based on the number of adults

within the household. We also provide homeowner education

which teaches accountability, financial well-being, and a sense

of community.

Family selection is based

three main criteria:


     • Level of Need


     • Willingness to Partner


     • Ability to Pay

What is Sweat Equity?

Sweat equity is a term used often when talking about the creation

or building process. It’s about doing the work — the hard work —

to bring an idea to life. That work becomes an investment in the

project. It can be an investment as real as money or land.


At Habitat for Humanity, sweat equity is a new homeowner

investing in their home or one for another family. It’s not a form

of payment, but an opportunity to work alongside volunteers who

give their time to bring to life a family’s dream of owning a home.


Sweat equity can take many forms for partner families working

with Habitat. It can mean construction work on their home or on

a home for another family, cleaning up the build site, working in

a Habitat ReStore, assisting in administrative duties, or countless

other ways of helping out.


Homeowner classes — learning how to manage a home or finances — also count as sweat equity. Families invest their time in the long-term success of their homeownership. Throughout the process of purchasing their home, Habitat partner families can earn sweat equity credit as they learn about their mortgage, insurance, maintenance, safety and more.


That co-worker approach informs Habitat’s emphasis on sweat equity: all of us working together so that homeowners can achieve the strength, stability and independence they need to build a better life for themselves and for their families.

— David Rubel,

If I Had A Hammer: Building Homes and Hope with Habitat for Humanity (2009)

Habitat affiliates require only a small down payment because few low-income families can afford more than that. Instead, partner families are required to contribute sweat equity.

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