step into an affordable home

start your homeowner journey with Truman Habitat

Habitat’s homeownership program works through the power of partnerships – bringing families, volunteers, and communities together for lasting change. Our homeownership program makes it possible for those who may not qualify for a traditional home mortgage to live in safe and affordable homes.


Your affordable home may be just around the corner. Our homeownership program is called H.O.P.E. – HomeOwner Preparation through Education. It provides you with the coaching, education, and support to be successful in your homebuying journey. These free resources will help you select the path to homeownership that works best for you.

get the tools for successful homeownership

Two forms of assistance are available to you.

Graduating from our Master Homeowner program is mandatory for either pathway. This is your first step to becoming a Habitat homeowner.

Pathway #1

Habitat Homeowner

Our homeowner education program empowers people to buy a Habitat home with a 0% mortgage interest rate. Future homeowners will pay an affordable mortgage that is no more than 30% of their income.

Pathway #2

Alternative Lending

Truman Habitat partners with local lending institutions to assist with making homes affordable. These could be rehabbed homes or homes being purchased on the open real estate market. We act as your advocate connecting you with affordable lending institutions.

Master Homeowner Program

Join us each quarter for a nine-week workshop series with topics to equip, educate, and empower you to become an informed homeowner!

RSVP for our next workshop!

homeownership program eligibility

  • Need

    Your current living situation is unaffordable, temporary, overcrowded, unsafe, etc. 

  • Ability to pay

    Household income for potential applicants must be in the 25-60% income level bracket to qualify for a Habitat mortgage: 


    Household               25%               60%


    1 Person                $18,050        $43,320


    2 Person                $20,625       $49,500


    3 Person                $23,200       $55,680


    4 Person                $25,775        $61,860


    5 Person                $27,850       $66,840


    6 Person                $29,900        $71,760


    7 Person                $31,975         $76,740


    8 Person                $34,025        $81,660
        

  • Willingness to partner

    Habitat Homeowner partners provide 350 hours of volunteer work to help build homes.

  • Complete our Master Homeowner Program

    The two-hour workshops are one evening per week over a nine-week period. Four sessions are offered per year. Dinner and childcare is included. As a graduate of the program, each homeowner receives a free tool kit.


    RSVP HERE

homeowner resources

Learn how to maintain your home, budget for repairs, and keep your property in great shape by accessing our homeownership resources. From seasonal checklists and home maintenance tips, we’re here to help.

Homeownership tips

your impact

“I envision a home for my kids where we don’t have to worry about the landlord or the rent raising. We will have stability. We won’t have to move. This home is my biggest blessing other than my children. The kids are through the roof with happiness. They’re already working harder in school. Their grades have gone up. Our lives have turned around.”

-Truman Habitat Homeowner Partner

get in touch. get involved.

Questions?