Apply For a House

How to Apply 

Applications are available to be picked up at the Muncie Habitat office Monday through Friday between the hours of 9:00 a.m. and 4:00 p.m. or during application meetings. Applications are due within 10 days of receiving the application.  Current monthly bill and income documents must be returned with the application.  There is a $25.00 application fee that must be paid when submitting the application.

Questions about applying may be directed to Jena Ashby, Program Director, at 765-286-5739 or jashby@munciehabitat.org.

Family Selection Criteria 

Ability to Pay

Before applicants begin the process of building and buying a Habitat home, they must demonstrate the ability to pay the monthly mortgage. No interest is charged on a loan for a Habitat home. The estimated monthly payment for a 3 bedroom home is $325.00. The minimum income per family is approximately $18,000 per year or $1,500 per month.  In addition, applicants cannot have any unpaid judgments or have filed bankruptcy in the last twelve months.

Need for Housing

Applicants may be considered for a Habitat home if their present housing is not adequate and if they are unable to obtain adequate housing through conventional means. A lack of adequate housing includes the following problems with a present structure: inadequate water, electrical or sewage service systems; an inoperable heating system; or failure to meet maintenance standards. Also considered is the percentage of monthly income that applicants currently spend on housing.

Willingness to Partner 

Once a family is selected by Habitat, each adult member of the household is expected to complete 250 hours of volunteer work, or sweat-equity, with Habitat. This requirement must be completed before moving into the home. 

Sweat-equity may include working on the applicant's or other Habitat Family homes, working at the Habitat for Humanity Home Discount Center or working in the Habitat office.

• Habitat Families are required to complete 30 hours of mandatory Homeowner Education classes prior to moving into a new home.

• A down-payment of approximately $1,000.00 is required prior to move-in.

Family Selection Committee 

The Family Selection Committee determines the families who will purchase homes from Greater Muncie, Indiana Habitat for Humanity. We do not discriminate on the basis of race, sex, color, age, handicap, religion, marital status, or if the applicant's income is fully or partially dependent on public assistance programs.