Habitat Homeowner & Repair Programs

New Construction

Volunteer labor and donations makes it possible for Habitat for Humanity to serve more families by keeping the overall cost of construction low and to provide affordable mortgages to our homeowner families.

Home Repairs

Our Home Repair Program provides critical and minor home repairs that alleviate health and safety issues for qualified homeowners in Kittitas County.

Homeowner Qualification Overview

1. Demonstrate a need for adequate and affordable housing: haven’t owned a home in the past 3 years, spend more than 35% of gross income for housing, and living in subsidized or temporary housing, staying with family or friends, or living with a roommate.
2. Demonstrate ability to pay an affordable mortgage: meet income guidelines, backend debt no more that 43% of monthly gross income, no liens or judgments, no bankruptcies in last 4 years, have worked at same occupation for one year of two years if self-employed.
3. Meet the income guidelines: household income must be below 80% of the area median income for Kittitas County.
4. Residency: must live or work in Kittitas County, and use the home as primary residence.
5. Willingness to Partner: Every adult applicant must put in sweat equity hours during the construction of the home.

Home Repair Qualification Overview

1. Applicants must own and occupy the home for a minimum of one year and must provide proof of income for all household members.
2. Household income must not exceed 80% AMI (see chart).
3. Applicants must be qualified through the underwriting process to determine final eligibility
4. Critical Home Repair Projects may be subject to a deferred loan (for cost of work) that will be secured with a recorded Deed of Trust. If you have a reverse mortgage or you live in a manufactured home built after 1976 that is not on property you own, you may be eligible for a grant in lieu of the deferred loan and a $100 program fee will apply.
5. Minor Home Repair projects are subject to a one-time $50 application fee. 
6. CAPABLE is a free program developed by Johns Hopkins to help older adults live safely in their homes.
7. Homeowner must have proof of current homeowners insurance.
8. Homeowner or a representative shall agree to partner with Habitat by contributing volunteer hours and completing a home maintenance class provided by Habitat.