Habitat will accept applications on March 1, 2024 through April 19, 2024.




Pre-Qualification List

Click on each statement for additional information.

I have a need and have lived in McCracken Co for One Year

  • I do not have a house, mobile home, or property of my own.
  • I am homeless.
  • I live in an overcrowded place.
  • I live in a substandard home.


My gross income falls within the following guidelines:

Family Size Minimum Income Maximum Income 
1 $15,850 $31,680
2 $18,100 $36,180
3 $20,350 $40,680
4 $22,600 $45,180
5 $24,450 $48,840
6 $26,250 $52,440
7 $28,050 $56,040
8 $29,850 $59,640

I have the ability to repay the loan.

  • I pay my rent and other bills on time.
  • I have been employed for at least 12 months.
  • OR I receive disability.
  • I have not filed for bankruptcy in the last 2 years.
  • I do not have expensive debt.

I am willing to partner with Habitat for Humanity.

  • I will partner in a positive manner with Habitat until the house is paid in full.
  • I will work my sweat equity according to Habitat's current policy.
  • I will attend all required classes and meetings.
  • I will pay my house payment; insurance and tax payment, in full, on the first of every month.


United States Citizenship

I am (and co-applicant is) a citizen of the United States of America or a permanent resident.

I am married, divorced or single.

You must be able to provide the appropriate documentation.

Legal History

No member of my family that will live in the house has been convicted of a felony.

Download our Homeowner's Application:

Download Application