See programs you qualify for
Get Matched Free →Habitat for Humanity of Madison & Clark Counties Homeownership
How much assistance
Affordable home purchase with below-market mortgage (Zero-Interest Loan)
Affordable mortgage structured so partner families can afford monthly payments.
Eligibility
- Income limits: Gross household annual income must not exceed 60% of Area Median Income for Madison or Clark County
- First-time buyer required: No
- Geographic restrictions: Must have lived or worked in Madison or Clark County, KY for one continuous year prior to application.
- Homebuyer education required: No
How to Apply for Habitat for Humanity of Madison & Clark Counties Homeownership
Step 1: Contact Habitat for Humanity of Madison and Clark Counties at PO Box 186, Richmond, KY 40476. Partner families are selected based on actual need for housing, ability to pay, and willingness to partner. Applicants must demonstrate need (overcrowded, substandard, too expensive, or unsafe current housing). Sweat equity hours are required. Must provide proof of U.S. citizenship or legal residency.
Notes
Established in 1991. Habitat serves as the lender, contractor, and nonprofit partner. Families build their own homes alongside volunteers. The process takes approximately 12-18 months.