We serve families of all ethnicities and faiths. Habitat does not discriminate, and families do not need to have Christian beliefs to participate in our homeownership program.

Among other factors, families are selected based on income, need, and creditworthiness. At this time, we do not use a credit score for qualification, but families do need to show responsibility in the handling of their debt.

Year 2005-2006 Guidelines
Family Size    Minimum Per Month    Maximum Per Month
One                 $1,196                         $1,996
Two                 $1,367                         $2,279
Three              $1,538                          $2,567
Four                $1,708                          $2,850
Five                 $1,846                         $3,079
Six                   $1,983                         $3,304
Seven             $2,121                          $3,533
Eight               $2,258                          $3,763

HOUSING AND LONG-TERM DEBT MUST NOT EXCEED 45% OF GROSS INCOME. THESE EXPENSES INCLUDE PRINCIPAL, TAXES, HOME INSURANCE, AUTO LOANS, CREDIT CARDS, CHILD SUPPORT, AND A RESERVE FUND FOR HOME REPAIRS.

Applications are accepted year round.  Please come to the Habitat KC office and pick up yours today!