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Homebuyer

smiling family of parents with daughter and two sons standing in front of their door with red ribbon for dedication ceremony

Home is in Your Hands

Our Homebuyer program makes the dream of homeownership possible for many Fox Cities families. Having a safe, affordable home empowers a family to invest in a more secure future for themselves and their children.

The Homebuyer program allows qualified, low income, hardworking people in the Fox Cities to purchase a home with a 0% interest mortgage loan. Monthly mortgage payments include repayment to Fox Cities Habitat for the home’s principal amount, the property taxes and home insurance.

Not sure if you qualify for the program? Connect with our Almost Home team to make sure you are prepared and eligible for the program.

Apply Now to Homebuyer Program

We are now accepting applications for the Fox Cities Habitat Homebuyer program. To apply, please download the application linked below.

All applications must be submitted or postmarked by August 24th, 2022 by 5:00PM to be considered.

At Greater Fox Cities Area Habitat for Humanity, we’ve helped hundreds of families through our Homebuyer program.

If you live in Calumet, Outagamie, Waupaca or Northern Winnebago county, please fill out the form below to receive more information about the application process.

Step 1

Homebuyers are required to take educational classes on financial management and home maintenance to prepare families for long-term, sustainable homeownership.

Step 2

Future homeowners work with a team of professionals and skilled volunteers to participate in the building of their own home.

Step 3

Fox Cities Habitat families are provided a toolbox of resources and ongoing support to ensure they can keep up with their bills and home maintenance.

Apply if You Qualify

Greater Fox Cities Area Habitat for Humanity offers a Homebuyer program to qualified low-income individuals and families in Calumet, Outagamie, Waupaca and Northern Winnebago counties.

Individuals interested in home ownership through Fox Cities Habitat will need to complete and submit an application along with a $30 application fee (one fee per application) when applications cycles are open.

Applications will be available July 27th through August 24th, 2022. Please review the Homebuyer program applicant guidelines to learn more about the program.

There are times when we have more applicants than homes we can build. We’ve developed a needs-based scoring system that allows us to prioritize families facing the greatest need for affordable, safe housing.

Program applicants must need Fox Cities Habitat housing due to one or more of the following circumstances:

  • Structurally substandard, unsafe or unhealthy living conditions
  • Temporary housing or over-crowded living conditions
  • Housing costs, including rent and utilities, exceeds 30% of your gross monthly household income
  • Housing is inaccessible
  • Residence in subsidized or transitional housing (section 8, title 42)

The 2021-2022 proposed income guidelines are based on family size. A family’s gross annual income must be at or above the minimum and at or below the maximum to be eligible.

Family SizeMinimumMaximum
1$30,000$40,200
2$30,000$46,000
3$31,000$51,700
4$31,000$57,400
5$31,000$62,000
6$33,300$66,600
7$35,600$71,200
8$37,900$75,800
9$40,200$80,400
10$42,500$85,500

Sources of Income

As part of the process, Fox Cities Habitat evaluates an applicant’s last two years of household income and debt. Applicants must be comfortable with a monthly mortgage payment set at 25-30% of their gross monthly income, and have enough income through stable employment, or other forms of permanent income to afford a home and all basic living expenses.

All income sources are included that are expected to last for three years or longer. Income includes all wages, unemployment (only if related to seasonal employment), social security, pension and/or disability. Income can also include child support, kinship care and other types of income received on a regular basis. Self-employment income is defined as the net profit. To accurately calculate your income, use this income calculator.

two Habitat staff working with family during one-on-one session

Improving Debt and Credit

An applicant’s credit history does not need to be perfect. In fact, many applicants have some debt. It is important to know how much is owed and for the total amount of debt to be manageable. It is recommended that applicants obtain a free copy of their credit report to ensure all credit is reported accurately.

All collection debt must have proof of active payment plans or be paid in full. Judgments for money must be satisfied. Visit Wisconsin Circuit Court Access to view public records. Bankruptcy or foreclosure must have been satisfied for at least 12 months.

Willingness to Partner

Applicants must be willing to work in partnership with Fox Cities Habitat’s team and maintain a positive and active involvement in the Homebuyer Sweat Equity program. Accommodations for health and employment concerns will be made on a case-by-case basis.

Applicants must be willing to complete 300 to 500 hours of sweat equity by:

  • Working at a construction site
  • Attending classes and workshops
  • Volunteering at the Appleton ReStore
  • Participating in Fox Cities Habitat or Appleton ReStore events
smiling Habitat homeowner dressed in traditional African wardrobe while preparing to cut the red ribbon across her door for her home dedication

Additional Applicant Requirements

  • Divorce proceedings must be finalized.
  • Applicants must provide valid documentation of Permanent Residency or Citizenship.
  • Applicants must clear a criminal background check. Any conviction(s) which are recent and/or severe in nature will be evaluated on a case-by-case basis.
  • All adults living together must apply together because Fox Cities Habitat Homebuyer program is income-based. Please contact Fox Cities Habitat about any exceptions.
  • Wisconsin is a marital property state and Fox Cities Habitat requires married couples to apply jointly.
  • All adult (over 18) household members must sign a general release for a background check and other verification.
  • Fox Cities Habitat is unable to serve applicants if any household member is a registered sex offender.
smiling Habitat family standing on their porch of their new home, with a SOLD banner hanging on the porch railing

Already Own but Need Help with Repairs?

If you’re concerned your existing home has your family living in an unsafe environment, Fox Cities Habitat offers a Home Repair Program. Designed to address issues such as lead paint or mold removal, leaky roof repair, bad plumbing, faulty wiring, or emerging hazards that potentially compromise safety, Fox Cities Habitat can help.

Let’s Talk

Our Family Services staff can work with you to provide appropriate resources. For more information, questions and help, email HomeBuyer@foxcitieshabitat.org or call at (920) 967-8898.