Apply to be a homeowner

Our homeownership program is an important and in-depth process, requiring hard work, time and dedication which helps to ensure the long-term success of our homeowners.

Click here to apply Download questionnaire


Please mail completed questionnaires to:
Habitat for Humanity of Greater Dayton
Homeowner Services Department
115 West Riveriew Avenue
Dayton, Ohio 45405


Things to know

Click below to learn more about the what we do and the process.

Habitat for Humanity of Greater Dayton believes that all hardworking individuals and families should have access to the benefits and stability of homeownership. We are committed to partnering with families to build safe, healthy and affordable homes with affordable mortgages.

Habitat is a Partnership – Not a Charity

Habitat provides a hand-up, not a hand-out. By working with us from beginning to end, we can help prospective individuals prepare for the various responsibilities of homeownership, including learning about personal finances, mortgages, maintenance and upkeep of homes, and much more. Habitat’s path to homeownership is an important and in-depth process, requiring hard work, time and dedication. But this helps to ensure the long-term success of Habitat homeowners.

Affordable Mortgages

Habitat homes are not sold for profit. Each family’s affordable mortgage payment goes into our revolving fund to help future families. Habitat for Humanity of Greater Dayton is proud to count so many local families in it’s ranks of homeowners. Their dedication and hard work allows us to do more for the community and local families.

Homeowner Selection

We do not discriminate on the basis of religion, race, or ethnic background. All applicable federal and state laws regarding mortgage lending are followed.

Our selection criteria are:


  • Income is 30-60% of the median income for Montgomery and Greene County with adjustments for family size
  • Ability to repay with verifiable income. Debt-to-income ratio cannot exceed 43%
  • Employment with at least 6 months on the job, or other approved form of stable income.
  • Currently living in substandard housing.
  • Willingness to partner through sweat equity.
    • We require 275 sweat equity hours for a single-adult family and 550 hours for a two-adult family. A family earns sweat equity by building their own home, as well as the homes of other families.


Homeowner Education Requirements

In order to further prepare our homeowners to succeed, Habitat provides classes in the areas of money skills, home maintenance, community resources, consumer credit counseling, legal issues, community involvement, nutrition, and insurance. These classes provide the knowledge and skills necessary for each family to become self-sufficient, active participants in their community.

The partner families consistently express their gratitude for these classes and tell us how much they learned about how to be an active and contributing partner in their community.

In a further effort to ensure affordable housing, we have focused on building energy efficient homes. All of our new homes are Energy-Star certified, and we are making steady progress toward even higher levels of green certification. This commitment helps not only the environment, but it also helps create sustained energy savings for our partner families. Having a safe affordable home to live in means even more when it is created and maintained in a sustainable way. Some of the “green” features of our homes are:

  • Low-E Energy Efficient Windows
  • High Efficiency Furnace: 92% Efficient or Better
  • Engineered Joists/Floor System
  • Extensive Draft Sealing & Duct Sealing
  • Programmable Thermostats Energy
  • Efficient Lighting
  • Insulate attics to R-40; Walls R-19 with continuous R-5 sheathing
  • Advanced framing techniques to minimize waste

All these factors lead to a home that is affordable and comfortable for the homeowner.

#1 Need for Housing

You may be considered for a Habitat home if your present housing is not adequate, and if you are unable to obtain adequate housing through conventional means.

Lack of adequate housing may include these problems:

  • the structure of the building
  • faulty water, electrical or sewage service systems
  • faulty heating system
  • hazardous substances
  • failure to meet city property maintenance standards

You may also meet the need for housing qualification if you are living in an overcrowded or un-affordable situation. If you are living in subsidized or transitional housing, such as Section 8, you may qualify.

#2 Ability to Pay

Since you will be buying your home from Habitat of Greater Dayton, you must demonstrate an ability to make a monthly payment. This monthly payment includes mortgage, property taxes, and insurance.

Family Income
Your annual income must fall within the range below based on your family’s size. You must have at least six months of stable income. We do include non-work related income such as child support, Social Security, etc. provided you will receive that income for the next two years.

The income levels shown were calculated using the median income levels as determined by H.U.D. for the Dayton Oh Metro area including Greene County and Montgomery County effective March 2018-2019. Numbers are subject to change. 

Families must earn between 30% and 60% of the median income for the Dayton area in order to qualify for the Habitat For Humanity of Greater Dayton housing program.  Please keep in mind that this chart is used as a guideline only.  Applicants will be assessed on an individual basis.

Requirements for 1 person household
 Monthly IncomeAnnual Income
Minimum 30%$1,150$13,800
Maximum 60% of Median$2,300$27,600
100% of Median$3,833$46,000
Requirements for 2 person household
 Monthly IncomeAnnual Income
Minimum 30%$1,372$16,460
Maximum 60% of Median$2,630$31,560
100% of Median$4,383$52,600
Requirements for 3 person household
 Monthly IncomeAnnual Income
Minimum 30%$1,732$20,780
Maximum 60% of Median$2,960$35,520
100% of Median$4,933$59,200
Requirements for 4 person household
 Monthly IncomeAnnual Income
Minimum 30%$2,092$25,100
Maximum 60% of Median$3,285$39,420
100% of Median$5,475$65,700
Requirements for 5 person household
 Monthly IncomeAnnual Income
Minimum 30%$2,452$29,420
Maximum 60% of Median$3,550$42,600
100% of Median$5,917$71,000
Requirements for 6 person household
 Monthly IncomeAnnual Income
Minimum 30%$2,812$33,740
Maximum 60% of Median$3,815$45,780
100% of Median$6,358$76,300
Requirements for 7 person household
 Monthly IncomeAnnual Income
Minimum 30%$3,172$38,060
Maximum 60% of Median$4,075$48,900
100% of Median$6,792$81,500
Requirements for 8 person household
 Monthly IncomeAnnual Income
Minimum 30%$3,532$42,380
Maximum 60% of Median$4,340$52,080
100% of Median$7,233$86,800


Please note the minimum represents 30% of the median income, and the maximum represents 60% of the median income.


#3 Willingness to Partner

Once you have been selected, you become part of an amazing and exclusive group of people… you will become a partner family. Partnership involves your ongoing contribution of sweat equity. This means that each adult in your family must complete 275 volunteer hours with Habitat of Greater Dayton. You can earn hours by building Habitat homes and attending homeowner education classes. Sweat equity is an important (and fun!) way to stay involved with the construction of your house and the Habitat community.

Are you ready to begin this journey with Habitat?

If you are ready to start your path to homeownership with Habitat, here are the next steps:

  1. Complete a pre-qualifying questionnaire by calling (937) 586-0860 x110 or printing and completing the following prequalifying questionnaire and bringing it to our office at 115 W. Riverview Ave., Dayton Ohio 45405.

  2. Attend an informational meeting (usually scheduled for twice per year). You will be mailed a letter with the date and time of this meeting as well as a preliminary application. 

  3. If you are eligible to continue after the informational meeting, you will attend a second interview and provide more detailed financial information.

  4. Our Homeowner Services Department will review your application and determine if you qualify for a home visit.

  5. A home visit will be conducted to determine housing need.

  6. The Family Selection Committee will then review all information and determine if you are selected based on the three stated qualifications.

  7. If selected, families are notified of orientation and class schedule and can begin earning sweat equity hours.

Habitat’s Critical Home Repair program is an extension of our mission to build strength, stability, and self-reliance through shelter. It helps families maintain and stay in their homes, and contributes to neighborhood stabilization and revitalization.

Repairs can be interior or exterior work performed to alleviate critical health, life and safety issues or code violations, including a change to or repair of materials or components. For more information about our critical repair program please call 937-586-0860x110. 

Basic requirements:

  • Home must be owner-occupied
  • Home must be located in Greene or Montgomery County
  • Household income must meet program guidelines
  • Payment may be required
  • Mobile homes are not eligible

Past repairs have included:

  • Accessibility: wheelchair ramps, stair lifts, moving washer/dryer to first floor
  • Replacement/repair HVAC, electrical, and plumbing
  • Water heater replacement
  • Roof repairs/gutters/windows
  • Weatherization
  • Exterior painting, minor exterior and cosmetic updates
  • Repairs of code violations to prevent further fines


See homeowner's stories

Homeowner's stories