Building Brighter Futures
No matter who you are or where you come from, everyone deserves a decent place to live. We believe in working with families and individuals who wish to achieve homeownership. Habitat homes are built in the Mesa County area, and are available for purchase with an affordable mortgage to applicants in our Homeownership Program.

People in our Homeownership Program partner with Habitat staff, volunteers and homeowners to build brighter futures for themselves and their families. Habitat works with families and individuals who might not otherwise qualify for a traditional mortgage. Selected families enter into a long-term partnership with Habitat and invest up to 500 hours of their own labor, “sweat equity,” building their home and the homes of other Habitat homeowners. Upon completion of the program, Habitat families are expected to act as ambassadors of Habitat. See if you are eligible below. 

Criteria for the Homeownership Program:
Criteria is determined by the Habitat Family Selection Committee, and include the following;

Residency, income and credit requirements:
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 that meets the income eligibility requirements (see chart below).
Have not declared bankruptcy in the last 2 years.
All collection accounts must have a re-payment plan in place.
Demonstrate the payment of rent and bills on time.

Need: Demonstrated needs include the following (but not limited to);
– Are you living in overcrowded space, and lack space for sleeping and privacy?
– Are you having to spend more than 30% of your income on housing?
– Are you living in a high crime or unsafe community, neighborhood or apartment/housing complex?.
– Are you living in housing that is structurally or physically unsafe (damage to walls, flooring or ceilings); unhealthy conditions (mold, mildew); lacks proper heating, cooling plumbing or wiring?

Ability to Pay: The ability to pay 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.  Habitat serves 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. 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.

Willingness to Partner: Families willingness to partner with Habitat are required to meet the following requirements,
– Complete at least 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.
– Fulfill the estimated closing cost 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.
– Provide documentation to Habitat if there are any changes in finances throughout their partnership with us.

Education:  The responsibilities of homeownership can be overwhelming. Education is an essential ingredient to become successful in this new role. As part of the program, homebuyers are required to attend classes that include family budgeting, mortgage basics, energy efficiency in the home, and stress management. 

INCOME Eligibility Requirements: Calculations for each household size are based 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
















  • 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.