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Home Ownership

Midland County Habitat for Humanity provides decent, affordable homes for low-income families living in substandard housing conditions. Future homeowners  work alongside Habitat staff and volunteers to build their future home and in-turn purchase the home from MCHFH.  Homeowners are provided with an affordable mortgage. Homes are built using volunteer labor and some donated materials.

MCHFH earns no profit from the sale of the home. Because of this,  future homeowners will obtain long term, affordable mortgages. This is not a rental program. Habitat homeowners repay the cost of the house. This money is then used to build more houses in Midland County.  We require a $500 down payment and future homeowners will need to provide funds to pay for their first year of homeowner’s insurance. As an added benefit, we also use partners that will provide future homeowners with homeowner education and financial literacy classes to ensure they are prepared for the unique challenges of homeownership.


  • Affordable mortgages
  • Low monthly payments
  • Energy efficient homes with low utility bills
  • Attractive, well-constructed homes
  • Brand new Whirlpool Appliances
  • Stability
  • Higher educational performance and better behavior in children
  • Better household health
  • Individual responsibility as a homeowner
  • Accessible homes based on family’s needs
  • Sense of accomplishment by helping to build your own home
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There are three basic criteria to qualify for a Habitat home:

You are currently living in substandard housing – this is defined as currently living in housing that is unsafe, unhealthy, overpriced, overcrowded or inadequate for some other reason. Partner Families have a demonstrated need for affordable housing.

Need is based by the applicants’ current housing. Questions we may ask about your current housing include:

  • Is the current housing substandard or unsafe, in need of excessive repairs?
  • Is the current housing overcrowded?
  • Is your current rent too high for your income?
  • Do you or a family member have accessibility issues at your current residence?

Habitat homes are NOT given away for free.  Each Habitat home is purchased by the future habitat homeowner through an affordable mortgage from Midland County Habitat for Humanity and are expected to make regular monthly mortgage payments. Mortgage payments also include taxes and insurance.

Household Size

MINIMUM Gross Annual Income

MAXIMUM Gross Annual Income


$15,700 $41,800



















Eight $29,600


These guidelines are derived from HUD’s 2019 housing income guidelines for Midland County median income and are subject to change.

Applicant creditworthiness

  • Applicant must have a manageable debt to income ratio
  • Applicant must be two years past discharge of bankruptcy or foreclosure
  • Applicant credit report must be free of any judgments or liens
  • Applicant must have twelve months (one year) of rental history
  • Proof of stable income and meet the guidelines of 30% - 80% of the area median income, depending on family size.

Are you willing to partner with Midland County Habitat for Humanity?

Future homeowners will be active participants in the construction or rehabilitation of their home. To qualify, your family must be willing to complete a minimum of 250 hours of “sweat equity”. This includes working on your home, the homes of other Habitat families and other approved types of community service.

Application Process

STEP 1:   Attend an Information Session

  • There are not currently any informational sessions scheduled, please check back.

The meeting is held at the Midland County Habitat for Humanity Office located at 1703 S. Saginaw Road, Midland  MI  48640.

At this session, you will hear a presentation about our home buying program and you will have an opportunity to have a 1 on 1 meeting to ask questions and determine whether our home buying program is a good fit for your household. We will provide you with a list of documentation that will be required to submit with your  MCHFH Homeownership Application.  Click the link below to print out the Application, which will need to be filled out and submitted with the information listed below.


The following information needs to be submitted at the time of application.

  1. 2018 W-2 and a recent paycheck stub (please include all incomes as this will help us determine if you can afford a Habitat Home).
  2. Evidence of other sources of income such as Social Security, SSI, child support, food assistance and/or alimony.
  3. A recent rent or house payment receipt.
  4. Your electric, heat, water/sewer, and telephone bills.
  5. Verification of payment on a car loan.
  6. Evidence of any other debts you are paying on or are obliged to pay.
  7. Tax return from previous year.
  8. If you are self-employed, please provide two years of tax returns.
  9. Reference contact information.


Or come to a Walk In Application event

  • There are not currently any walk in application sessions scheduled, please check back.

The walk in application events are held at the Midland County Habitat for Humanity Office located at 1703 S. Saginaw Road, Midland  MI  48640.

STEP 2: Application Meeting with Midland Habitat Staff & Complete an Application

There will be several opportunities to meet with the staff to review your application and assist you with any questions you may have. We will need all of the documentation requested in order to move on to the next step.

Application Dates:

All application meetings will take place at Midland County Habitat for Humanity Office - 1703 S. Saginaw Rd., Midland  MI  48640

There are not currently any application sessions scheduled, please check back.

STEP 3: Midland County Habitat for Humanity Staff Reviews Application

Staff members will review your application and supporting documentation. If you meet the qualifications, your application will be accepted for consideration.

STEP 4: Application Components are Finalized

Any outstanding documentation will be collected by a staff member and background check will be conducted. At the appropriate time, the application information is distributed to the Family Selection Committee.

STEP 5: Family Selection Committee Home Visit

Two members of the Family Selection Committee will contact you to set up a time to visit and conduct an interview of you and your family at your current residence. After the interview and submission of any remaining documents, a determination will be made about your application.

STEP 6: If Approved

You will be assigned an Advocate from the Family Selection Committee and your Habitat partnership will begin. We will work with you on what you need to accomplish and how you can start working on your Sweat Equity hours.

Send a Request for a Habitat Homeowner Application

Homeowner Manual

Partner Families are provided with a Homeowner's Manual with helpful information about the responsibilities of being a homeowner.  The attached Homeowner Checklist is one of the helpful tools in the Manual.