Home Ownership

Important - Please Read

Habitat for Humanity of Metro Louisville is no longer accepting applications year round. Applications are only being accepted during an open enrollment period.

The next open enrollment period will be August 13, 2019 through September 13, 2019 at 5pm. All applications and fees submitted after this deadline will be returned to the address listed on the application.

If you completed an Expression of Interest Form, an application will be mailed to you. If not, you may come to the Habitat Offices at 1620 Bank Street, Louisville, KY 40203 to pick one up. Once you have received an application and if you need help completing it, we will have four New Applicant Workshops to assist you.

Click here to see a sneak peek of Habitat's application process.


For more info, contact Kathy Kessinger, Habitat's Homebuyer Financial Services Manager, at This email address is being protected from spambots. You need JavaScript enabled to view it. or 502.805.1401.


Do You Qualify?

To Be Eligible You Must:
  • Be 18 years of age or older and be able to provide proof of U.S. citizenship or legal residency.
  • Pay a $20.00 non-refundable Pre-Application fee.
  • Complete and submit a Pre-Application.
  • Please allow 3 weeks for processing the Pre-Application. 
Have A Need:
  • Your current housing condition must be considered substandard, prove to be cost burden, insufficient for your family size, unsafe or considered inadequate.
Partner With Habitat:
  • You must volunteer and earn 400 hours of sweat equity prior to completing homebuyer program.
  • You must keep good communication and provide information or documentation in a timely manner.
  • You must attend all required classes.
  • You must be willing to live in the areas where Habitat is building or has built.
Have Stable Income:
  • Your household income must be between 30% - 80% Area Median Income (AMI) based on the number of people who will live in your home.
  • You must have and have had a stable income for the last 12 months.
Family Size Minimum Income Maximum Income
1 Person $15,050 $40,050
2 People $17,200 $45,800
3 People $19,350 $51,500
4 People $21,450 $57,200
5 People $23,200 $61,800
6 People $24,900 $66,400
7 People $26,600 $70,950
8 People $28,350 $75,550
Be Responsible:
  • You must pay your rent and/or other bills on time.
  • You cannot have any outstanding judgments, tax liens, excessive credit card debt or excessive collection debt.
  • You cannot have filed bankruptcy within the last 18 months.
  • You must have the ability to pay $1,800 toward closing costs before moving into your home.

Complete Your Pre-Application

Click here to complete your pre-application and pay the $20 non-refundable application fee.


Download, print and return the completed Pre-Application and your $20 non-refundable pre-application fee (money orders only) to our main office- 1620 Bank Street, 40203.

- Pick up a Pre-Application at our main office- 1620 Bank Street, 40203 - or any ReStore location.

- Call 502.805.1427 and request a Pre-Application be mailed to you.

For more information, call Ziberia Puryear at 502.805.1401 or This email address is being protected from spambots. You need JavaScript enabled to view it.