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Home Buyer Program

Looking to apply to be our next Partner family?

*WE ARE NOT CURRENTLY ACCEPTING PROGRAM APPLICATIONS

Pre-applications are accepted in person or by mail between April 15th and June 15th annually. For information about our next recruitment cycle, please contact our Affiliate Office at 920-235-3535 or elast@habitatoshkosh.org

What are the guidelines for the Home Buyer Program?

Click the HERE for a list of current home buyer guidelines with Habitat for Humanity of Oshkosh

What is Habitat's Home Buyer Program?

Habitat for Humanity of Oshkosh offers a home buyer program to qualified low-income individuals and families in the City of Oshkosh. Habitat extends a 0% interest mortgage loan. Monthly mortgage payments include repayment to habitat for the home (principal), as well as for property taxes and home insurance (escrow). Home buyers must meet financial and non-financial criteria to qualify.

What are the three main criteria to build with Habitat?

Need for adequate housing.

Potential home buyers might be dealing with poorly built, unhealthy, damaged or inadequate housing. Alternatively, applicants might be struggling with high rent payments, or may be living in a home that is inaccessible for disabilities.

 

Willingness to partner with Habitat.

Habitat home buyers have “sweat equity” requirements, which means they help build their own home and the homes of others in the Habitat for Humanity home building program and volunteer at a Habitat ReStore. Prerequisite hours also include coursework in personal finances, home maintenance and other relevant topics to help ensure capability for the demands of home ownership. 

Ability to pay an affordable mortgage.

Habitat offers home buyers an affordable mortgage based on income and family size. 

When does Habitat accept applications?

Habitat for Humanity of Oshkosh currently accepts home buyer program applications are accepted April 15th through June 15th each year. Applications will be reviewed in the order in which they are received. Program opportunities will be filled on a first-come, first-served basis.