785 E Main Street
Benton Harbor, MI 49022
Phone 269-925-9635


1. You need a new home because your current residence is substandard. Examples of substandard living conditions include, but are not limited to:

  • Inadequate/dangerous electrical problems
  • Inadequate/dangerous heating
  • Inadequate indoor plumbing
  • Overcrowding
  • Rent that is more than 40% greater than income
  • Pest problems
  • Structural damage to your home

2. You have the ability to pay the costs associated with Habitat homeownership, including:

  • Modest down payment costs
  • Income must fall between 30%-80% of the Area Median income
  • Monthly mortgage payment starting at 22% of income (including taxes and insurance)
  • Responsible credit history, including only moderate current debt

3. You are Willing to Partner with us by performing "Sweat Equity". Sweat Equity consists of helping to build your house and other Habitat homes, as well as attending educational workshops that will help prepare you and your family for successful homeownership.
Homebuyer Partners complete a minimum of 300 Sweat Equity hours; at least half of those hours must be completed on the construction work site if you are physically able to. If not, other sweat equity options will be provided.

The most vital element of the Habitat ministry is the partnership between new homeowners and the local Habitat affiliate. We believe that Sweat Equity helps to instill pride in homeownership and sets the stage for involvement in the Habitat Mission post purchase.