A decent, affordable home is an investment that lasts for generations. Blue Spruce Habitat for Humanity homes are not free gifts – each family who partners with Habitat is making a personal and financial investment in their future.

What do we need from you?

The following supporting documentation is required to be submitted with your completed application for consideration in our program:

Credit Report

Credit report for all applicants including credit scores from all three reporting organizations (Experian, Equifax, and TransUnion), and detail pages of that report
Pay Stubs

Two (2) full months pay stubs for all applicants
Bank Statements

Two (2) full months bank statements for all accounts
Tax Returns

Two (2) years of filed tax returns
W2

Two (2) years of W2s

Selection Criteria

To be eligible to purchase a home with Blue Spruce Habitat for Humanity, potential homeowners must meet these three areas of qualification:

Need

Families often need a home because their current housing isn't viable. It may be overcrowded, too expensive, structurally unsound, or located in a dangerous neighborhood.
Ability to Pay

Habitat homes are not given away. They are sold to qualified homebuyers with an affordable mortgage. Each family must demonstrate steady income of at least 2 years that falls within the income guidelines below.
Willingness to Partner

A family or individual must have the willingness to partner with Blue Spruce Habitat for Humanity by investing Sweat Equity in their home and the homes of other partner families.

Additional Requirements

In addition to the requirements listed above, homeowners must:

Be a legal and permanent resident of the United States
Have lived or worked in our service area for 12 out of the last 36 months

Our service area includes all of Clear Creek, the mountain area of Jefferson County, and Park County up to Kenosha Pass. You can check which Habitat for Humanity affiliate you fall under below, if you arent sure.
Have yearly income that falls within our income guidelines

Please refer to the income table in the section below for a current AMI breakdown.
Have two continuous years of income
Have a reasonably good credit history

It must be at least three years since you've discharged any backruptcies, and debt payments must be current.
Contribute "sweat equity" toward both yours and other families' homes

Each adult in the household must complete a total of 250 hours. This includes participating in a series of workshops revolving aroung financial education, hands-on maintenence training, future planning, and more.

Find my local Habitat for Humanity affiliate

Income Guidelines

Blue Spruce Habitat for Humanity offers its programs to families within specific income ranges, adjusted based on the number of persons in your household. These guidelines are determined annually using HUD's Area Median Income (AMI) figures and are subject to change each year.

To qualify, your total yearly gross household income ( including wages, Social Security, disability benefits, SSI, TANF, and child support) must fall between 35% and 80% of AMI.

Current AMI Breakdown Table
Family Size	Minimum 35% AMI	Maximum 80% AMI
One	$35335	$72950
Two	$39235	$83400
Three	$44135	$93800
Four	$49035	$104200
Five	$52990	$112550
Six	$56910	$120900
Seven	$60830	$129250
Eight	$64750	$137550

The income table provided above is for informational purposes only. Exact ranges vary by household size and are updated annually. For more detailed information about the current income limits, please contact Blue Spruce Habitat for Humanity.