General Application Information

Black Hills Area Habitat for Humanity is a Christian home building ministry financed through private donations which uses volunteer labor. Our purpose is to build houses for those living in substandard housing and then sell the houses at no profit and no interest to qualified families.

Please read the following items to see if you have an interest in our ministry and can meet our general guidelines.

Qualification Requirements

• You must be living in inadequate housing. For example: poor heating, leaks in the roof, overcrowding (three to a bedroom), unsafe or unsanitary conditions.
• You must be ineligible for conventional financing. A letter of denial from a bank or mortgage company stating you do not qualify for any housing program must be included with your application.
• You need to have enough income to afford the mortgage payment (approximately $350.00 to $700.00 per month) plus utilities.
• You must be willing to partner with us in the building process. Our “sweat equity” requirement is 250 hours per adult member of the household spent building the house. If you are physically unable to build, other forms of work may be available to meet the required hours.
• You will be required to complete two classes: Make Your Move with Consumer Credit Counseling Services and Life, Inc. by Love, Inc.
• If you are approved for a Habitat home, you will need $500.00 for the down payment, $400.00 to $700.00 for one year’s homeowners insurance, about $200.00 for utility hook-ups, and about $400.00 for closing costs. The total is approximately $1500.00 to $1800.00.

If you are interested in applying for a home with Black Hills Area Habitat for Humanity attendance at one of  informational meetings listed below is mandatory:

All information is confidential and used only for family selection.

If you have any questions please contact our office at (605) 348-9196.