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How it Works

Habitat for Humanity of Waukesha County's homebuyer program is available to low to moderate income individuals and families in Waukesha County that qualify for our program.

Our application period is currently closed.



  • Applicants must have a need for housing due to any of the following situations:

  • Structurally substandard, unsafe, or unhealthy living conditions

  • Temporary housing or over-crowded living conditions

  • Housing costs (rent + utilities) exceeds 30% of gross monthly household income

  • Housing is inaccessible

  • Reside in subsidized or transitional housing (section 8, Title 42, etc.…)

Ability to Pay:

Habitat will evaluate applicants’ household income and debt. Applicants must be comfortable with a monthly mortgage payment that would be set at 30% of their gross monthly income. Applicants must have enough income through stable employment or other forms of permanent income to afford a home and all basic living expenses.

  • Income includes all wages, unemployment (only if related to seasonal employment), social security, pension, and/or disability. Self-employment income is defined as the“Net Profit” [line 31, Schedule C (1040)].

  • Income can also include child support, kinship care, and other types of income which is received on a regular basis and is needed to cover monthly expenses.

  • All income sources are included when they are expected to last for 3 years or longer.

2020 - 2021 Income Guidelines:

Income guidelines are based on family size. Gross annual income must be at or above the minimum and at or below the maximum.

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Applicants’ credit history does not need to be perfect. Many applicants have some debt. It is important for applicants to know how much is owed and for the total amount of debt to be manageable.

  • All collection debt must have proof of active payment plans or be paid in full

  • Judgments for money must be satisfied (Visit CCAP - Wisconsin Circuit Court Access: wcca.wicourts.gov)

  • Bankruptcy or foreclosure must have been satisfied for at least 36 months

  • It is recommended that applicants obtain a free copy of their credit report to ensure all credit is reported accurately (Visit www.annualcreditreport.com for your credit report)

Willingness to Partner:

Applicants must be willing to work in partnership with Habitat Waukesha with their positive and active involvement in the Homebuyer Sweat Equity Program.


Applicants must be willing to complete 250 hours of sweat equity by attending classes and workshops, working at the Habitat ReStore, participating in Habitat or ReStore events, and building on other homes as well as their own.


Applicants must also be willing to work with Habitat Waukesha's marketing team to document their stories, take photos, videos, and use this media for marketing purposes in print and digital form.


*Accommodations for health and employment issues will be made on a case by case basis


Additional Requirements:

  • Bankruptcy or foreclosure must be satisfied at least 36 months prior to the date of application

  • All household members must clear the national sex offender registry check

  • Applicants must live or work in Waukesha County for at least 1 year to applying

  • All applicants must be a permanent resident or US Citizen

  • Divorce proceedings must be finalized

  • Given Wisconsin is a marital property state, married couples must apply jointly or if separated, divorce must be finalized

  • All liens/judgments must be satisfied

  • Applicants must clear a criminal background check

  • All adult household members must sign a general release for a background check and debt verification


*Temporary jobs are generally not considered permanent. Contact staff with questions.

Questions? Contact Sara Jane: 262-309-6025 x101 | home@habitatwaukesha.org

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Notice:  The Federal Equal Credit Opportunity Act Prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract): because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.  The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Washington, DC 20580.