Habitat for Humanity Clark & Floyd Indiana




Do I Qualify?

As we seek to expand affordable homeownership in Southern Indiana, Habitat Clark & Floyd Indiana identifies three criteria of applicants:


This is where we evaluate your current housing situation. Does your monthly rent and utilities exceed 30% of your monthly income? Are you overcrowded? We also consider unfit living conditions, unsafe areas, homelessness, etc.

Ability to Pay

Habitat homebuyers eventually becoming homeowners; when this transition happens, they pay Habitat a no-interest monthly mortgage payment. We never want to place a family in a house they cannot pay for; instead, we prepare our homebuyers to be successful homeowners, and with that comes financial stability. We look for steady monthly income (including SSI/D, child support payments, paychecks, etc.) that will be enough to sustain a family with a low monthly mortgage payment. Look at the form below for the minimum and maximum income requirements by family size.

Willingness to Partner

Partnering with Habitat is a part-time job that requires 300-450 hours of sweat equity, which is unpaid labor used to build a homebuyer's house and the homes of others. A portion of the sweat equity is mandatory monthly workshops that prepare homebuyers for successful homeownership through courses in financial literacy including interactive budget education, home maintenance, and basic DIY skills. Homebuyers also participate in community enrichment by volunteering in various capacities in the Southern Indiana community.

Habitat will not offer assistance on the expressed or implied condition that people must adhere to or convert to a particular faith or listen and respond to messaging designed to induce conversion to a particular faith.

Do I Qualify to Buy a HFH House - 2017.docx

Habitat for Humanity Clark & Floyd Indiana, Inc. - P.O. Box 1814 New Albany, IN  47151-1814 - (812) 948-1235 - Fax: (812) 913-0343

Business Office: 711 E. 8th St. New Albany, IN  47150

An Equal Housing Lender