Habitat Homeowner Program

We are building in Hurricane!

Habitat Homeowner Program

                     What We Do! 


Habitat for Humanity is an equal opportunity lender. We make home ownership affordable by providing 0% interest loans to qualified individuals and families that earn within 30%-80% of the local area median income. Qualified applicants must have a need for affordable housing, have the ability to repay a mortgage, and have a willingness to partner with Habitat. 

Presently, family selection usually occurs once a year. The application process is closed for 2020. Please fill out the Housing Interest Form (below) and we will contact you when the application is available again. 

How to qualify:

2020 Requirements

In order to qualify for a Habitat home, interested applicants must meet the following basic eligibility requirements.

  • You must live or work in Washington County, UT for one year before the application date
  • You must be able to legally work and own real estate in the United States
  • You need to earn between 30% – 80% of HUD’s Adjusted Area Median Income
  • You will also need to demonstrate your ability to repay a 0% interest mortgage
  • You also must demonstrate a willingness to partner and be an advocate for Habitat for Humanity by completing the following items:
    • Up to 250 sweat equity hours per adult family member
    • Graduate from Habitat authorized financial management program
    • Finally, you must make a small down payment 


How is a Habitat Partner Family selected?

The families go through a family selection process that seeks homeowners based on their level of need, their willingness to become partners in the program through performing “sweat equity” in the building of their home, and their ability to repay the zero percent interest loans. The length of the family selection process varies depending on the availability of homes. It may be more than a year from the beginning of the selection process until the family can move into their home.  Habitat follows a nondiscriminatory policy in family selection. Neither race nor religion is a factor in choosing families who receive Habitat homes.

How can I get an application for housing?

Families who are interested in applying for a Habitat home can apply online during the application window, or in person at the ReStore. Please note, applications are not sent through the mail.

How does a Habitat mortgage work?

Habitat acts as the lender for a 20-year to 30-year 0% – interest mortgage. The monthly payments that the family pays to Habitat are then used to help build additional homes for more families.

How much does a Habitat home cost and how much are the monthly payments?

Recent homes that Habitat has built and sold cost between $100,000 and $150,000. Monthly mortgage payments are approximately 33% of the family’s monthly income. This includes the principal, house insurance, and property taxes.

Do I have to be a U. S. citizen to qualify?

No. However, you must be a permanent resident to qualify.

What is "sweat equity" and when can I start working on my hours?

Potential homeowners work 250 hours of labor per adult applicant. This sweat equity can be applied to the construction of their own home, the construction of homes for others, assisting in the ReStore or in the administrative offices, or on other Habitat projects.

Do I have to have a down payment?

Yes, homeowners are required to put an agreed-upon amount down at closing. Funds should be secured in an account at least 45 days before closing.

Interested in becoming a Habitat homeowner?

First, please complete the form below to add your name and information to our waiting list. We will notify you when the application process is open. If you have other questions about homeownership, our team can be reached at 

15 + 1 =


We are an ecumenical housing ministry committed to providing safe, decent, affordable housing for qualified low-income families in Washington County, UT.

Contact Us

  • Address: 835 South Bluff St
    St George, UT 84770
  • Phone : (435) 628-4041
  • Email: Director@habitatswu.org


Download Application


Subscribe to our email newsletter to receive our news and updates.

2 + 15 =