Habitat for Humanity Lakeside
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Home buyer Program

habitat home buyer program

Through our Home Buyer Program, we build new construction homes in Sheboygan County and sell them to families who meet our program qualifications. This program provides benefits to home buyers and the community. Home buyers benefit from decent, affordable housing while the community benefits from the redevelopment of neighborhoods and an increase in tax revenue. Our Home Buyer Program does not give houses away. Families spend “sweat equity” hours helping to build their home, pay a down payment at closing and make monthly mortgage payments consisting of both a principle payment to pay off their loan and an escrow payment to pay for homeowner's insurance and property taxes. Habitat homes are made affordable through volunteer labor, in-kind partnerships and the affordable financing provided by Habitat.

interested in becoming a habitat home buyer?

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Individuals and families interested in the Habitat Home Buyer Program must meet our program qualifications which include: need, ability to pay, willingness to partner and residency. Each of these qualifications are outlined below.

Need for Housing
Based on current housing conditions, there must be a demonstrated need in order to qualify for a Habitat home. Some examples of need are outlined below. This list is not all-inclusive.
  • Structural/mechanical problems (visible holes or large cracks, leaks, hazardous/toxic materials, electrical issues, plumbing issues, appliances not working, etc...)
  • Inadequate sleeping arrangements (more than two people share a room, children of different genders share a room, people must sleep on the couch or floor, etc...)
  • Unsanitary conditions or health risks out of the applicant(s) control (bugs, rodents, sewage problems, allergy concerns)
  • Homelessness - temporary or transitional housing (family currently living with relatives, friends, in emergency shelter or is otherwise homeless)
  • Current housing does not meet the physical needs of a family member(s)
  • Current cost of housing is greater than 30% of the gross household income
  • Unable to obtain a conventional or government assisted mortgage
 
Ability to Pay
Ability to pay is determined through the information provided on the application, pay stubs, benefit statements, previously filed federal tax returns, and credit reports. Applicants must have a steady, reliable source of income and demonstrate financial responsibility.
  • Family can afford to pay the monthly house payments (which will include principle, property taxes and homeowner’s insurance) AND projected monthly utilities (electric/gas/water/sewer)
  • Applicants must NOT have filed for bankruptcy within the past 3 years
  • Applicants must NOT have outstanding collections, liens or judgements that cannot be paid off by time of closing
  • Family can afford a down payment at the time of closing
The applicant’s gross income must fall between 30-60% of the median income for Sheboygan County, as outlined below. Income from all wages, SSI, SSDI, housing assistance, retirement, alimony, VA benefits, child support, etc. will be included in calculating gross income.


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​Willingness to Partner

In order to be considered for a Habitat home, a partner family must be willing to complete “sweat equity” hours. “Sweat equity” is when a home buyer takes part in building their own home and other Habitat homes and may include activities such as maintaining a lot (shoveling or mowing lawn), painting, helping with construction, working in the Habitat office, working in the Habitat ReStore or other approved activities. A two-adult family is required to perform a minimum of 500 hours while a single-adult family is required to complete 250 hours. A portion of the sweat equity hours can be completed by family and friends. All of the hours must be completed before the home buyer can purchase the home or move into the home. In addition, the partner family must also be willing to attend home buyer education classes.

Residency
All applicants and co-applicants must provide documentation that they are a U.S. citizen or permanent resident. They must also provide proof that they have lived or worked in Sheboygan County for at least 6 months at the time their application packet is submitted.​

Please Note: Applications are only available during the open application period which is once per year from January 1-February 15. Our application period is currently open which means you can download/print an application from our website or visit our business office to pick up an application. Business office hours are Monday-Thursday from 8:30am-4:30pm and Friday by appointment. If these hours do not work for you, please fill out the contact form below or call Candy Hemmerling, Family Services Coordinator, at 920-458-3399 ext. 305 to schedule a different time to pick up an application. The business office is located at 1911 N 8th St in Sheboygan. You may park on 8th Street and ring the doorbell at the blue door on 8th Street or walk to the back of the ReStore to access our business office. Please note: the ReStore will not hand out applications. Applications are only available in our business office or by download below.  
Download a Home Buyer Program Application Now - Deadline: February 15, 2019

    need more information on our Home buyer program? fill out the form below and our family services coordinator will follow up with you.

Submit
Office Address:
PO Box 973
Sheboygan, WI 53082
920-458-3399

Office Hours:
Monday-Thursday
​8:30 a.m. - 4:30 p.m.
Friday by appointment
ReStore Address:
1911 N 8th St.
Sheboygan, WI 53081
​920-452-4175
ReStore Hours:
Click here for hours

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We are 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.  
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  • Home
  • About
    • Mission & Vision
    • History
    • Board of Directors
    • Staff
    • Career Opportunities
  • ReStore
    • About Restore
    • ReStore Hours
    • Donation Guidelines
    • Recycling
    • Schedule a pick up
  • Volunteer
    • Construction
    • ReStore
    • Other
    • Court Ordered Community Service
  • Programs
    • Home Buyer Program
    • Home Repair Program
    • Rock The Block
  • Events
    • "Tooling Through the Twenties" Gala
  • Giving
    • Ways to Give
    • Become an investor
    • Wish List
  • NEWSLETTER
    • Newsletter Sign-Up
    • Feb 2019 Habitat Happenings Issue
    • JAN 2019 HABITAT HAPPENINGS ISSUE
    • DEC 2018 HABITAT HABITAT ISSUE
  • Donate Now