Selection Criteria

Muskegon Habitat uses three criteria to determine whether or not a family is ready to take part in the homeownership program:


Qualified applicants who show greatest need for better housing will be selected. Factors include no permanent residence of their own, overcrowding, unhealthy conditions, high housing cost to income ratio, and inability to get traditional financing. Applicants can not have owned a home in the last three years.

Ability to pay

Applicants must show that they have the ability to make monthly house payments over the course of several years. Therefore, income must come from a long-term source, such as employment, disability, or another ongoing income source. Annual family income must fall between 30% -60% of the Area Median income (as indicated by the chart below).

Willingness to partner

Partner families are required to perform at least 275 hours of sweat equity, working on their home and other Habitat projects. They must also successfully complete homeownership counseling and financial literacy classes which are included in their sweat equity hours.

income guidelines

Habitat offers its program to families between 30% - 60% of the Area Median Income, adjusted for the number of persons in your family. Income includes wages, SS, disability, SSI, TANF and child support. For our local Habitat, your total yearly gross household income must fall within the ranges listed below.

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How to become a habitat homeowner

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HOMEowner application

The Homeowner Program Application is currently closed. Please stay tuned for further Homeowner Program updates.

In need of more information?

Please contact the Program Specialist or call the office, (231) 727-6020.