Homeownership Program

Habitat seeks to promote dignity and hope to families served to meet needs in a sustainable and transformational way.

There are three main criteria for applying for a Habitat home.

Ability to Pay

Need for Housing

Willingness to Partner

  • Any qualified applicants must meet the below income guidelines, based on gross (pre-tax) income per year
  • Our income guidelines are subject to change
  • All collections and judgements must be explainable and resolvable prior to closing on the home
  • At least 2 years after a bankruptcy
  • At least 2 years after a foreclosure
  • Debt-to-income ratios are reviewed to determine affordability
  • Financial need
  • Need assesed during in-home visit
  • Must be willing to complete required sweat equity hours
  • Attend homeowner education classes
  • Consent to background checks & sex offender registry check
  • Pay $1,000 toward the purchase of your home

Income Guidelines*

*Subject to change

Program Summary

Habitat is a non-profit organization dedicated to eliminating sub-standard housing. Since 1986, Habitat for Humanity of Greater Fort Wayne has built over 244 affordable, quality built homes for families in our community. The Habitat program allows families to purchase a stable and decent home with an affordable mortgage. Proceeds from monthly payments help build more homes in Allen, Huntington and Wells counties.

Qualified families invest time in what we call Sweat Equity – by taking classes to prepare them for homeownership, working on Habitat build sites, and eventually, helping to build their very own home.  We are not a custom home builder and have pre-set house designs and build locations.

Please consider Habitat’s application guidelines on this page. Any applicant who does not meet these criteria will not be approved.

How to Apply

Our application process is not open at this time. Please fill out the inquiry form listed below to be notified of when we do re-open the application process again. Questions? Email us at info@habitatgfw.com or call 260.422.4828 for more information.

What is Sweat Equity?

Sweat Equity is the time your family must invest in Habitat by attending homeownership classes, volunteering at our ReStore, volunteering on Habitat builds,  and eventually helping to build your very own home.

An applicant must complete up to 400 hours of sweat equity, however some hours can also be donated by friends & family.

Are there any fees to apply?

There is a $15 application fee but no acceptance fee. Applicants will have some costs associated with closing fees as well.


If you have any questions at all about our process, simply contact Habitat by emailing info@habitatgfw.com or call 260.422.4828.

Thank you to our 2020 Homeowner Services Partners!

Benevolence Committee of Plymouth Congregational Church of Fort Wayne

Habitat for Humanity of Greater Fort Wayne is a tax-exempt 501(C)(3) nonprofit organization.