Homeownership Program

Habitat for Humanity Capital Region builds homes in partnership with people from all walks of life who are in need of a safedecent, and affordable place to live.

Habitat houses aren't free. Homebuyers help build their own homes alongside volunteers and purchase their homes from Habitat Capital Region with affordable mortgage payments set at or below 30% of their monthly income.

A decent place to live and an affordable mortgage create a situation where homeowners can build wealth, save more money, invest in education, pursue new opportunities, and have more financial stability.

Take the first step to become a Habitat Homeowner:

Sign up for a Homeownership Program Orientation - learn more about the program and start your application process OR call the Homeowner Services Department to sign up: (517) 374-1313 ext. 109

How does the program work?

Through an application process, qualified homebuyers are selected to purchase affordable homes that Habitat Capital Region builds or rehabilitates in Ingham and Eaton Counties. Habitat Capital Region helps to remove many of the barriers to homeownership and provides access to an affordable mortgage.


  1. Need for Housing: Is your current housing inadequate in some way? (This program is for people who do not own a home.)
  2. Willingness to Partner: Are you willing to partner with Habitat Capital Region by meeting application deadlines, attending required events, classes, and meetings, and completing 200-400 hours of sweat equity?
  3. Ability to Repay: Are you financially ready and able to commit to an affordable mortgage and the responsibilities of homeownership?

You must be able to prove that you have reliable income within the program guidelines:

Household Size

Income Range


$24,800 – $49,600


$28,320 – $56,640


$31,880 – $63,760


$35,400 – $70,800


$38,240 – $76,480


$41,080 – $82,160


$43,920 – $87,840


$46,760 – $93,520

*The calculation of income will include earnings by all members of the household as well as other sources of verifiable and reliable income.

If  you have questions about the form or the program, please contact the Homeowner Services Department at (517) 374-1313 ext 109.

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Habitat Capital Region is pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status or national origin.