Home Buyer Program

Habitat Home Buyer Program

Habitat for Humanity Oshkosh builds new construction homes within the City limits of Oshkosh and sells them to qualified families at no profit. The Habitat program does not give houses away. Families must put in “sweat equity” hours helping to build their home, pay a down payment and make monthly mortgage payments. Homes are made affordable through volunteer labor used to build the home and the 0% interest mortgage provided by Habitat.

Interested in becoming a Habitat Home Buyer?

Interested applicants must meet the below qualifications:

Need
Based on current housing conditions, there must be a demonstrated need in order to qualify for a Habitat home. Some examples of need include: overcrowding, structural/mechanical problems, mold, insects, etc.

Ability to Pay
Ability to pay is determined through the information provided on the application, pay stubs, benefit statements, previously filed federal tax returns, and credit reports. Applicants must have a steady, reliable source of income and demonstrate financial responsibility.
*Applicant gross income must fall within 30-60% of the median income.

Willingness to Partner
Habitat Home Buyers  must be willing to complete 250 of “Sweat Equity” hours each. Sweat Equity is when a family takes part in building their home, working at our ReStore, at special events, or other Habitat activities.

Residency
Qualified candidates will have lived in or worked in the City of Oshkosh for at least six months prior to submitting an application.

For more information, please reach out to Elizabeth at 920-235-3535.