Homeownership Program Overview

Habitat for Humanity of Summit & Wasatch Counties builds healthy, energy efficient, affordable homes for working members of our community. Our homes are intended to be modest in size and appearance and, at a minimum, will meet International Building Code standards. 

Habitat’s path to homeownership is an in-depth process, requiring hard work, time and dedication. To ensure the long-term success of Habitat homeowners, we partner with them from application through construction, and beyond when the keys are handed over. We can help prospective individuals prepare for the various responsibilities of homeownership, including learning about personal finances, mortgages, home maintenance, and much more.


Habitat evaluates all applicants based on three* principal criteria:  1) need; 2) ability to pay; and 3) willingness to partner with Habitat.  Any U.S. citizen or permanent resident who meets these criteria may be eligible to become a Habitat homeowner.

*Criteria imposed on a development plan by City or County government may play an additional role in qualifications.

Prospective homeowners must not earn more than 30-60% of the Area Median Income in Summit or Wasatch County based on your family size, complete an application and provide Habitat with financial statements, tax returns and other information. They must consent to credit, background and reference checks and home site visits and other reasonable diligence by Habitat. Habitat does not discriminate on the basis of race, gender, religious affiliation, occupation or otherwise and is an equal opportunity housing provider.


The homeownership selection process typically takes 6 months. Once selected, Habitat homeowners must partner with us throughout the process.  Homeowners must be willing and able to contribute 200 hours per adult family member of “sweat equity” towards the construction of their own home, the Habitat office or through other supervised activity in support of Habitat. A typical home build takes up to 12 months

Want to learn more? Please contact us with any questions.