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Thank you for your interest in partnering with Habitat. 2022 Home Ownership Applications will be available in August.

The need for affordable housing is immense, and the lasting impact homeownership can have on families and individuals is undeniable. Habitat Lincoln homes are not free - each family who partners with us is making a personal and financial investment in their future. 

We partner with hard-working, families to help them build a better life for themselves and their loved ones - because we know that decent, affordable shelter offers strength, stability, and self-reliance. Habitat homes are sold with an affordable mortgage that is no more than 30% of a homeowner's monthly income. 

Many faith, business and community partners contribute funding, construction labor, lunch and much more to each home that is built in our community.

FREE- Homebuyer Information Sessions

Learn more about our Homebuyer Program from our Program Manager, Theresa. Theresa will go over guidelines and expectations of the program, as well as information about the application process. 

Space is limited. You must register to attend. If you are attending with a spouse, partner, family member or friend, please make sure to register everyone who is attending. Attending an information session is not a requirement of applying for the program If interested in attending to learn more, you only need to attend one of the sessions offered. 


Details and dates coming soon.

As a Homeowner

As a homeowner you have an increased responsibility of home and community upkeep. Living in a stable and safe home is influential to a positive future of children and families. Homeownership is important to children and youth because it improves health and academic performance. 

Habitat homeowners are chosen based on their need for housing, income level, and willingness to partner with Habitat for Humanity of Lincoln. Qualifying families income is below 50% of the median income for Lancaster County. Habitat homeowners pay an affordable mortgage. Mortgage payments are recycled into the building fund, which is used for the construction of more homes. 

Applying for a Habitat home is a thorough and detailed process. Homeowners are selected based on their need for housing, willingness to partner and ability to repay the mortgage. Want to find out if you're eligible to participate in our homeownership program? Review the financial income and general qualifications below to understand the criteria for being selected into the program: 

General Requirements: 

  • Must be a U.S. citizen or legal permanent resident (green card holder)
  • Cannot currently own a home
  • If married, both spouses must be co-applicants, and your spouse must live in the Lincoln are (can not live outside the country)
  • Cannot be a registered sex offender

Financial Requirements:

  • Maintain a monthly gross income within our income guidelines (listed below)
  • Have good credit within the last 24-months
  • Minimum of six consecutive months of employment on all current jobs, or two-years of self-employment 

Click here to read more about the Affordable Homebuyer Program, qualifications, application process, and more. 

2021 Income Guidelines

Family Size 1 2 3 4 5 6 7 8
Minimum $17,350 $19,800 $22,300 $24,750 $26,750 $28,750 $30,700 $32,700
Maximum $34,680 $39,600 $44,580 $49,500 $53,460 $57,420 $61,380 $65,340

Sweat Equity

Through our partnership with families and individuals, we equip future homebuyers with the strength and self-reliance you'll need to be successful homeowners. Families who are accepted into the program will be required to complete 300-400 sweat equity hours. Take a look below at a few of the ways this important investment of time is made. 

Work Sites: Being involved in the process of building or renovating Habitat homes - including your own.

Education: Classes involving financial education, hands-on maintenance training, future planning, and more.

ReStore: Lending a hand at ReStore to collect, organize, and sell gently used home building supplies. 

Request Information

Questions about Homeownership? Fill out the form below to receive information on our Homeownership Program. 

Habitat Lincoln is an Equal Housing Lender organization. Loan decisions are made without regard to race, color, religion, sex, national origin, handicap or familial status.

Our Contributors

  • Equal Housing Lender
    Equal Housing Lender
  • Equal Housing Opportunity
    Equal Housing Opportunity
  • HBAL
  • RAL
  • NAM member logo

    NAM member logoMember of Nonprofit Association of the Midlands

  • Guide Star
    Guide Star
  • Give Nebraska
    Give Nebraska
  • Thrivent
  • Schneider
  • FNBO
  • Wells Fargo
    Wells Fargo
  • Westminster Presbyterian Church
    Westminster Presbyterian Church
  • Sheridan