Did you know that with a low-interest rate mortgage you can own a home for less than you pay in rent? Milwaukee Habitat offers affordable brand new and completely rehabbed homes for qualifying applicants. We also offer an Affordable Mortgage Program for families interested in purchasing a home on the open market. If you meet these qualifications, the first step to becoming a Habitat homeowner is to complete our virtual Homeowner Orientation.

Home Tour

Brand new Milwaukee Habitat homes come in 3 & 4 bedroom styles. All homes come complete with brand new Whirlpool appliances, a home security system, and energy efficient windows. Depending on the type of property you qualify for and season when you’re approved, homeowners may be able make design specifications such as selecting siding color, counter-tops and style of flooring. View two of our home styles below.

Program Guidelines

Need for Affordable Housing

To qualify for a Habitat home or a rehab project you must be a first-time homebuyer with inadequate housing. Inadequate housing includes any of the following:

  • Unsafe
  • Too expensive
  • Too crowded
  • Structural problems with water, electrical or sewage systems
  • If you are living in subsidized or transitional housing, such as Section 8, you may qualify.

Ability to Pay

In order to buy a Habitat home, you must demonstrate an ability to pay the monthly mortgage payment. Though your unique finances will vary, a typical mortgage payment is between $500 – $800. This includes property insurance and real estate taxes. When you pay your mortgage every month, that money is recycled to fund new homes and critical repair for future Habitat families.

Family Income

Your income must fall within 30% to 80% of Milwaukee County’s median income for your family size. We consider all sources of steady income including: alimony, child support (if you have at least three additional years to receive it, and it is consistent), pension, retirement, SSDI, SSI, Survivor’s benefits, and wages. Unemployment, financial aid, TANF, food stamps and W-2 are not considered income for qualification purposes.

All applicants must undergo a credit check. However, we try to evaluate potential partner families on their overall financial health, rather than just a number in your credit report. We may consider unpaid court judgments, and collections totaling less than $500, however, they must be paid prior to house completion. For clients that have filed bankruptcy, it has to be two years after discharge in order to apply.

Questions about your credit or finances?  Please contact the Riverworks Development  Corporation  or Housing Resources, Inc to learn more about strengthening your financial health.

Household Income Guidelines
# of people in household 1 2 3 4 5 6 7 8 9 10
Minimum $17,750 $20,250 $22,800 $26,500 $31,040 $35,580 $40,120 $44,660 $49,200 $53,740
Maximum $47,250 $54,000 $60,750 $67,750 $72,900 $78,300 $83,700 $89,100 $94,500 $99,900

Willingness to Partner: Sweat Equity

You may have noticed we use the word “partner” quite a bit. What does it mean to “partner”? When you join the Habitat homeownership program as a partner family, you will complete “sweat equity” instead of paying a down payment. This means you will contribute hundreds of hours of work in the construction of your home and the homes of your neighbors.

Sweat equity provides the opportunity to learn construction skills, get to know your neighbors and the community you will join once you move into your new home. Home maintenance and financial education classes will help you prepare for the unexpected and begin the transition from renting to the responsibilities of homeownership.

*Sweat equity not required for families in the Affordable Mortgage Program

Interested? This is your next step:

The first step to become a Milwaukee Habitat homeowner is to complete this virtual homeowner orientation. In the orientation you'll learn more about qualifications, benefits of Habitat homeownership, and the application process. It will take 25 minutes. Click the "Complete Homeowner Orientation" button below and register with your information to gain access.

After completing the virtual homeowner orientation video, please complete an application. Please send it back promptly with all required documents to be considered.

Return application with copies of required documents to:

Milwaukee Habitat for Humanity
Attn: Mirella Reyes

3726 N. Booth St., Milwaukee 53212

Or email to: mreyes@milwaukeehabitat.org

Applications may be mailed, emailed or dropped off in our mail slot to the left our main entrance. Due to the COVID-19 outbreak, our offices are currently closed to the public. Please enclose copies of required documents as they will not be returned.

Please submit copies of the following documents with your application:

  • Last 4 consecutive paycheck stubs
  • Recent Social Security Award Letters for entire household (State and Federal, if applicable)
  • 12 month child support history (if applicable)
  • Photocopy of your Driver’s License or State ID
  • Photocopy of Social Security card for each applicant
  • Photocopy of your last bank statement (Checking, Savings, Money Market, etc.)
  • Signed Authorization Form

If you have questions please contact Mirella Reyes for more information: mreyes@milwaukeehabitat.org

We are pledged to the letter and spirit of the U.S. policy for the achievement of equal housing opportunity throughout the nation. 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.

Equal Housing Opportunity logo