Frequently Asked Questions

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1.  How do I qualify for Habitat for Humanity?
You may be eligible if you have a need for housing, the ability to pay a 20-year, 0% interest mortgage, and a willingness to partner with us.  If you believe you may qualify, attend an information meeting to obtain an application and learn more about what’s involved.

2. How long before I can purchase my own home?
The amount of time from selection to homeownership is normally 8-18 months.  During this time you will be working your “sweat equity” hours, attending homebuyer education classes and saving money for closing costs.

3.  How much is the downpayment?
Wichita Habitat requires no downpayment.  You are required to pay approximately $2,000 in closing costs at your mortgage signing, which includes the cost of 14 months of homeowner’s insurance and two months of property taxes to build up your escrow account. You will have the opportunity to save this amount monthly while you are in the program.

4.  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. Any bankruptcy or foreclosure must have been discharged over 24 months ago. Wichita Habitat commits to working with you to meet financial requirements to become a homeowner.

5. What are the steps to buying a home?
The home-buying process through Wichita Habitat for Humanity has a few extra steps in order to qualify for our 0% interest mortgage; however, we follow all mortgage lending laws and make sure you understand each stage. To learn more about the process of buying a home and finding a conventional mortgage check out the Consumer Financial Protection Bureau’s Owning a Home website.

6.  Where does Wichita Habitat for Humanity build homes?
Wichita Habitat builds homes on lots that we own in Sedgwick County.  We are currently focusing new construction in our Rock the Block area. See information here about our completed Habitat Villages where recycled homes will sometimes become available for purchase.

7.  I’m homeless/about to lose my home, can you help me find a place to live right now?
No, our program is a long-term solution, not a quick fix. For immediate housing needs, contact the United Way (211) for resources. Our program can be a long-term solution after you address your current housing situation.

8.  I own a home, but it’s falling apart. Will Habitat help me repair it?
Yes, through our new program called A Brush With Kindness We will begin taking applications this winter so please check back. This program focuses on exterior home repairs that will help to improve the safety and security of your home. We will partner with you to make repairs needed for a reduced cost. If you’d like to be included on our waiting list, please contact [email protected]. In the meantime you may contact the United Way (211), or The South Central Kansas Economic Development District for Weatherization (316-262-7035) to inquire about their services. The City of Wichita’s Home Repair program has a variety of services for homeowners and you can learn more here.

9. Are there any programs to help me save money for homeownership or home repair?
You can start saving for your home NOW with the CASH program through Interfaith Housing Services in Hutchinson and may qualify for a $2:$1 or even $3:$1 match to use towards your home purchase or homeowner occupied housing repair. Contact Jackson Swearer at 620-662-8370 ext 710 or [email protected] and let him know you heard about this opportunity from Wichita Habitat for Humanity.

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The first step is to attend an information meeting. Click here for meeting dates, times.

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People who are accepted into our program attend classes on budgeting, homeownership and how to be a good neighbor.