Building Homes, Transforming Lives

Wichita Habitat for Humanity partners with families residing in Sedgwick County who are interested in improving their lives through home ownership and can afford to pay around $360 a month for 20 years.

CRITERIA FOR SELECTION

• Wichita Habitat for Humanity (WHFH) is looking for applicants with a NEED FOR HOUSING that are unable to obtain conventional financing due to limited income or credit challenges. 
• 
  Applicants should have a steady income that is sufficient to REPAY THE 20-YEAR, 0% INTEREST MORTGAGE and monthly living expenses.
  (see income guidelines below)
• 
  Applicants should be WILLING TO PARTNER with us.  This includes working between 250-400 hours of “sweat equity”, attending homeownership classes and saving money to cover their closing costs.

We believe every family
should have, as a minimum,
a simple, decent place to live

Eligible Income

Wichita Habitat for Humanity accepts all sources of legal, steady, documentable income that will continue for a period of no less than 36 months.  This includes (but is not limited to) Wages, Child Support, Food Stamps, SSI, Disability, Social Security.  Income from all members of the household should be reported even if person is not a co-applicant.

Income Guidelines

Household Size       Gross Annual Income
      1                   $11,160 - $26,800
      2                   $12,750 - $30,600
      3                   $14,330 - $34,400
      4                   $15,915 - $38,200
      5                   $17,210 - $41,300
      6                   $18,500 - $44,400
      7                   $19,750 - $47,400
      8                   $21,040 - $50,500

Frequently Asked Questions

1.  How long before I can purchase my own home?
            The amount of time from selection to homeownership
            is normally 6-12 months.  During this time you will be
            working your “sweat equity” hours, attending
            homeownership classes and saving money for closing costs.

2.  How much is the downpayment?
            Wichita Habitat requires no downpayment.  You are
            required to pay $1500 in closing costs at your mortgage signing. 

3.  What about my credit?
        Wichita Habitat is willing to work with those whose credit is less
         than perfect.  We do not look at your credit score. We DO look at your
        debt-to-income ratio and your credit history.

4.  Where does Wichita Habitat for Humanity build homes?
            Wichita Habitat builds homes on lots that we own.  We currently
            own lots in several locations throughout the city of Wichita.

            Construction kicked off in August 2007 on our 40-plus home
            development located at 33rd & Jackson. Edgebrook Village

            Approximately 70 percent of the homes built during 2008-2010
            will be located in this development.

If you are interested in applying, please attend one of our information meetings.
To see those dates please click here