How the Program Works
The “American Dream” of homeownership becomes a reality for families in need through the work of Habitat for Humanity of Mesa County. We pride ourselves on being a “hand-up” for our families, not a “handout.” Selected families enter into a long-term relationship with Habitat for Humanity. In addition to monthly mortgage payments,  homeowners invest hundreds of hours of their own labor, also known as “sweat equity,” building their home and the homes of other Habitat homeowners in their neighborhood.  Partner families are expected to continue working with Habitat throughout the building process and act as ambassadors of Habitat, even after construction is complete. If you are interested in applying please call (970) 255-9850 ext. 202 for a confidential appointment with our Director of Operations.

Habitat for Humanity of Mesa County relies on the generous donations of corporations, foundations, congregations, and individuals to build homes. These donations, along with volunteer and sweat equity labor, allow us to offer affordable homes to those who would not qualify for homeownership in any other way. The homes that are built with these donated funds are sold to each new homeowner and financed with 15-30 year, interest-free mortgage.

Criteria for Home Ownership

You may be eligible for a Habitat home if you have been a resident of Mesa County for at least 1 year and you meet the 3 guidelines: need, ability to pay, and willingness to partner.


In order to be accepted into the Habitat for Humanity of Mesa County homeowner program, the applicant must demonstrate need, which is determined by the Family Selection Committee during the required home visit.  Overcrowding is considered  a need – does the family have a space for sleeping and privacy?  Being cost burdened by having to spend more than 30% of their income on housing is considered a need.  Families living in high crime or unsafe neighborhoods or apartment complexes is a demonstrated need.  Determining the need includes some of the following structural/physical criteria: lack of proper plumbing, wiring, water damage to ceilings or floors, or lack of proper temperature control.

Ability to Pay: 

Ability to pay, which is also determined by the Family Selection Committee, includes the evaluation of income, payment history, and the calculation of debt-to-income ratios.  Habitat for Humanity of Mesa County follows the income limit guidelines as specified annually by HUD.  We serve families typically earning between 30%-65% of the Area Median Income in Mesa County, Colorado.  Income is determined as gross income that can be verified.  Typically this is employment income, but it can also be Social Security or disability income, child support income, or other income that can be verified.

Calculations for each household size are based on 2018(FY) AMI for Mesa County ($63,900).  Income is calculated before taxes from all sources within the household.

** Subject to change         Updated 8/10/18

Family Size

Annual Gross Income Range

Monthly Gross Income Range


 $13,500 – $29,250

$1,125 – $2,438


$16,240 – $33,410

$1,353 – $2,784



$1,701 – $3,131
















In order to qualify for a Habitat House, a family should have adequate income to cover utilities, maintenance expenses, as well as the monthly house payments which include taxes & insurance.

You will have to demonstrate the ability to pay an interest-free mortgage which includes property taxes, property insurance and homeowner’s association dues, if applicable.

In addition, you must:

    • Be a US Citizen or Legal Resident of the United States.
    • Have lived in Mesa County for 1 year or longer.
    • Have not owned a home or property for at least 2 years
    • Have a stable income for the last year meeting the above guideline.
    • Have not declared bankruptcy in the last 2 years.
    • All collection accounts must have a re-payment plan in place.
    • Pay your rent and bills on time.


The responsibilities of homeownership can seem overwhelming for first time homebuyers.  Habitat knows that education is an essential ingredient that helps families become successful in this new role.  As part of the program, Homebuyers are required to attend education classes.  Course topics include family budgeting, mortgage basics, energy efficiency in the home, and stress management. 

Willingness to Partner: 

Willingness to partner with Habitat for Humanity Mesa County required that the family agrees to complete 500 hours of sweat equity from the time of acceptance to the time they close on their house. The majority of sweat equity hours are spent on the construction site.   Family agrees to fulfill the closing cost requirements of paying $250 upon acceptance into the program, another $250 after they have logged 150 hours of sweat equity and are site assigned, and the remaining $1,250 due at closing.   Family agrees to provide documentation to Habitat for Humanity of Mesa County if there are any changes in finances throughout their partnership with us.

Habitat for Humanity of Mesa County accommodates all applicants on a case by case basis, for example: English as a second language, visually impaired, hearing impaired, etc.   We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout Mesa County. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.

Habitat for Humanity | Mesa County, CO

Habitat for Humanity | Mesa County, CO