(513) 621-4147

Buy A Home


WHY RENT WHEN YOU CAN OWN? Habitat for Humanity of Greater Cincinnati is a partnership housing program, in the truest sense of the word. Applicants must demonstrate need for housing, qualify financially, be willing to partner with Habitat by working side by side with volunteers each week building their own home and the homes of others and committing to attending homeownership and financial training classes.  In exchange, they are provided the opportunity to buy a safe, decent Habitat for Humanity home with an affordable mortgage payment. We are not a charity and we give away nothing, but opportunity. STOP PAYING A LANDLORD AND SEE IF YOU QUALIFY TO PAY A MORTGAGE! Below are the steps necessary to see if you may qualify: First, you must be willing to live where Habitat for Humanity of Greater Cincinnati has available land or homes for rehab. Our service area includes Butler, Clermont, Hamilton and Warren counties in Ohio; Boone, Kenton, and Campbell counties in Kentucky; and Dearborn and Ohio counties in Indiana.


STEP 1: Do you meet the following requirements:

  •  Earn a minimum monthly household income of at least 30% (but no more than 80%) of the median income per month (table below)
  • Married applicants must apply together and both must commit to all partnership and financial obligations.
  • Inability to qualify for a conventional mortgage.
  • No bankruptcy filed within the past three years – must be three years from date of discharge.
  • No felony convictions for anyone in household over age 18 within the past five years
  • No eviction within the past 12 months
  • No foreclosure within the past 3 years
  • Debt/Income ratio cannot exceed 40% of monthly income spent on estimated mortgage payment of $500 and monthly debt combined.
  • A credit report will be pulled for each applicant. An applicant will not be considered if they have over $2,000.00 in past due, uncollected debt. Each applicant must present a written payment plan with any creditor owed for any “bad” debt items that total under $2,000.00. If approved, you must provide monthly proof of payments to Habitat for any written payment plans you submit with your application.
  • All open judgments or liens must be paid and/or released before your application can be considered.

STEP 2: Do you meet our three criteria?

1)    Need for Adequate Housing You must be living in substandard or inadequate housing that does not meet your needs. We will also consider those who are currently living in subsidized housing, are currently living with other families/friends, or who are homeless, and anyone whose current housing expenses exceed 30% of their income. Do not disqualify yourself because you feel you do not have a housing need. We encourage you to apply and let us determine if you meet these criteria.  

2)    Ability to Pay You must be able to afford an estimated monthly mortgage payment of $500 (including taxes and insurance). You must also meet our minimum income guidelines and not exceed our maximum income guidelines depending on your family size as listed below:

2017 Income Guidelines
Family Size   Minimum Monthly Gross Income   Maximum Monthly Gross Income (80% of median income)
1 $1,308.00 $3,488.00
2 $1,494.00 $3,983.00
3 $1,681.00 $4,483.00
4 $1,867.00 $4,979.00
5 $2,017.00 $5,379.00
6 $2,167.00 $5,779.00
7 $2,316.00 $6,175.00
8 $2,446.00 $6,575.00


3)    Willingness to Partner Earning Sweat Equity To be considered for a Habitat home you must be willing to earn “sweat equity” hours. Your help in building your home and the homes of others is called “sweat equity” and may include construction, working in the Habitat ReStores or other approved activities. You also will be required to attend classes covering finances, home ownership, and home maintenance. One-applicant households where only one person is officially purchasing the home must earn 250 hours of sweat equity. Two-applicant (applicant and co-applicant) households must earn 500 hours of sweat equity. Do you Commit to the following partnership requirements.

  • Commit to earning 8 hours of sweat equity per month until your home begins construction.
  • Commit to being at your build site each Saturday that your home is under construction
  • Commit to paying $800.00 towards the first year insurance premium for your home.
  • Commit to attending monthly Partner Family group meetings and required classes.
  • Commit to certifying debts AND income every six months until home is purchased. Any negative change in income or if your debt to income ratio should exceed 40% up to the date that you purchase your home, could result in your de-selection from the Habitat program.

STEP 3: Request an application if you think you qualify If you would like to learn more about our home ownership program, call us at 513-621-4147. To complete an application, you can do one of the following: 1) Call 513-621-4147, Ext. 3 to leave your name and mailing address — an application will be mailed. This is a 24 hour voicemail box, so you can call at any time. Applications are mailed each Friday. 2) Click here to request an application by completing the Online Interest Form and an application will be mailed to you. Applications are mailed each Friday.


3) If you would like to print out an application from our website instead of having one mailed to you, please click below. Please read the introduction pages completely. This provides you an overview of requirements and documentation required to be submitted with application.



STEP 4: Complete the application process to determine if you qualify.  If you qualify, we will work with you for up to 12 months to match you with a suitable build site.

STEP 5: Matched with a build site If you are approved as a Partner Family, you will be offered a list of available build sites that are located throughout our service area at least four times during a 12 month period. If you are unable to be matched with a suitable build site within this 12-month period, you will be deselected as an approved Partner Family and will have to reapply in order to be considered for a future Habitat home.  

STEP 6: Build and buy your home! After you have accepted a build site, you will work on your build site every Saturday, attend classes and earn sweat equity. Upon completion of the home, you will then purchase the home with an affordable mortgage payment of approximately $500.00 per month (including taxes and insurance). Equal Housing Opportunity 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, national origin, age, marital status, or sources of income.     

LEED Information…

LEED, or Leadership in Energy & Environmental Design, is a green building certification program that recognizes best-in-class building strategies and practices. To receive LEED certification, building projects satisfy prerequisites and earn points to achieve different levels of certification.

Click here for more information on LEED certification…