Through new construction and remodeled homes we offer a wide variety of affordable housing opportunities in Lexington, Kentucky. Lexington Habitat for Humanity homes feature quality, energy efficient design and construction. The total square footage of each home is based on the lot and family size. Our homes adhere to neighborhood covenants and restrictions (in limited instances Lexington Habitat homes are built with brick and/or garages).

We are proud to build ENERGY STAR rated homes which helps Habitat homeowners control utility costs. Lexington Habitat’s construction department provides oversight for all builds. They are joined by community volunteers and future homebuyers for all aspects of building.

Demonstrate the Following

1. Substantial need for housing – your home must be:

  • – Substandard–problems with heat, water, electricity, structure
  • – Insufficient space–lacking enough bedrooms for the number of people in the household
  • – Dangerous–located in unsafe or unsanitary living conditions
  • – Inadequate–not suited for a family member who has a limitation
  • – Subsidized for an extended period of time

2. Ability to Pay

  • –Your income source(s) are consistent and show an ability to pay an affordable mortgage, utilities and home maintenance costs
  • – Your income will allow you to pre-pay $1,200 towards loan closing costs
  • – Your credit report and current debts are satisfactory

3. Willingness to partner with LHFH

  • – Completing the application on time with all the requested information
  • – Be willing to move to a new location within Lexington
  • – Agree to complete sweat equity hours
  • – Show that the homebuyer is ready for the responsibilities of owning and maintaining a home and yard

Requirements to Purchase a Habitat Home

To be eligible to become a Lexington Habitat for Humanity Homebuyer, you must meet the following requirements:

  • U.S. Residency – You must provide proof of U.S. citizenship or legal residency through a birth certificate, passport,  permanent resident card, I-94 card, or other documentation provided by the U.S. government.
  • Local Residency/ Work History – You must have lived or worked in Fayette County, KY for one continuous year prior to application.
  • Monthly Income – Your gross monthly income must be at least $1,600 per month and you must have had income of at least $1,000 per month for the past 2 years or you must have been at the same job/had  same income source for one year.
  • Credit – Your credit report and current debt must be satisfactory—we will obtain your credit report and review it with you to see if you are eligible to proceed. Bankruptcy filings must have been discharged a minimum of two years before the time of your application.
  • Have a total household income which does not exceed 60% of the median income for similar size families in Fayette County

Family Size/Maximum Income

1 2 3 4 5 6 7 8
$28,020 $31,980 $36,000 $39,960 $43,200 $46,380 $49,560 $52,800


  • Level of Need -Your current housing is substandard, insufficient for your family size, dangerous, or inadequate.
  • Involvement – You must be willing to partner with Habitat by providing information on time, and by showing you are ready to maintain a home and yard. You must also agree to work required sweat equity hours by coming to homeownership classes and helping to build your home.

Application Steps

  • Submit-Pre-Application Packet – Pick up a pre-application packet from our office, ReStore, or print from our website. We will also mail you a copy of the packet upon request. You will receive a reply by mail within 30 days.
  • Pre-Application – Cost is $20.  Credit report is pulled and we will look at any debt you may have in collections as well as your current debt to income ratio to determine if you qualify to proceed.
  • Application – Review all documents to determine ability to pay.
  • Home Visit(s) – Home visit(s) conducted by two members of the Family Selection Committee.  They are looking for need based on your current living situation.  It is also a chance to meet your family and ensure you understand the application process and program requirements.
  • Selection by Committee – Once you have had your home visit(s), the committee meets to discuss your application and vote on recommending you to the Board of Directors for final approval as a new Partner Family.

 – – At any point in the process you can be denied. If that is the case, you will be notified promptly. – –


Pre-Application Packet

If you think you meet the selection requirements, please complete a Pre-Application packet and return it to our office. If it appears you meet the requirements based on the pre-application, we will invite you to schedule an appointment. Please note the following:

  • Allow up tp 1.5 hours for this appointment
  • An application fee of $20 is required (cash or money order)
  • All applicants must be present and have photo ID’s and Social Security cards

If your pre-application is approved, you will then schedule an additional appointment to complete a full application.

Homeownership FAQ’s

What is Habitat for Humanity?

            Habitat for Humanity is a homeownership program serving applicants all over the world who are in need of simple, decent, affordable housing. In Lexington, we serve applicants who qualify by helping them remodel or build a home that they will purchase after successfully completing our program. Homeownership is a long-term commitment and we want to be as certain as we can that the applicant is ready to make this commitment.

Where will my home be?


    Lexington Habitat for Humanity builds or remodels houses wherever we can find lots or houses that are affordable for us to purchase and pass on to you at an affordable price. We most frequently work in the Northside of Lexington. When a household is approved and begins classes they will be given the option to look at all properties we have ready to work on at that time and those that will fit their household size. LHFH has no way to predict properties that will become available – you will be given a complete list of everything available during your Homebuyer education classes.



How many bedrooms will my house have?

            The number of bedrooms will be based on your household size. Houses are designed with 2 bedrooms (1 bath), 3 bedrooms (2 baths), or 4 bedrooms (2 baths). We assign house size based on the household composition. Households with special needs due to physical limitation, disability or other health concerns will receive separate consideration about specific needs.

How long does it take before I could move in?

            This can vary with each individual household depending on a variety of issues, but currently the entire process, from completed application to closing, averages 2 years.

How much will my house cost?

Your monthly mortgage payment will be affordable and is based on your income. Currently mortgage payments are calculated at approximately 25% of total gross monthly income. Mortgage terms currently range from 15-30 years. The appraised value of our houses currently range from $85,000-$115,000, though each house value will vary based on size and location. Keep in mind utilities are not included and you will be responsible for your utility accounts.

Can I customize my house?

Floor plans and basic construction cannot be customized and will be determined by our construction department based on the lot size and shape. Habitat builds one-story houses whenever possible, but we cannot guarantee whether a house will be one or two stories. It is our mission to build decent, simple and affordable homes – we are not a custom builder. We do not build houses with garages or brick or other “extras” unless neighborhood covenants or restrictions require those. Homebuyers get to choose the color of the following items based on the samples our suppliers provide: siding, shutters, carpet, vinyl flooring, and kitchen countertop.

What is Sweat Equity?

Sweat equity refers to the actual hands-on involvement of future homebuyers. It is the Homebuyer’s physical investment in Habitat's work. We look at the hours you invest in your home as a “down payment” of sorts and require all hours be completed before closing.

How many Sweat Equity hours are required and how do I earn them?


Depending on the number of adults in a household, your household will be required to earn either 250 or 500 hours of Sweat Equity. Of those 250 or 500 hours, each household is required to complete 100 hours of their total Sweat Equity hours working on construction projects. Also, friends who help on your build may count for an additional 50 or 100 of your required hours. Attending Homebuyer classes, budgeting sessions, volunteering in our ReStore and hands-on work on job sites earn these hours. You will be given a book to log all your hours.

What are Homebuyer classes?

Habitat requires that Homebuyer Partner Families attend weekly Homebuyer classes for approximately 20 weeks on Monday nights from 6-8pm. The classes are an opportunity to understand Habitat’s policies, learn about homeownership, and ask questions. These classes cover topics like budgeting, savings, insurance, home maintenance, and safety. 


What can my kids do to help earn Sweat Equity?

            Household members who are 16-years-old or older are allowed to come to classes or work on construction sites with you and will earn Sweat Equity for their time if they remain involved. Children ages 14-15 may work with you at the ReStore. Children or household members of any age may come to Habitat sponsored events in the community. When you start building your house, they can help you clean your job site at times when no construction activity is taking place.

Do I have to pay any closing costs?

Yes, Habitat requires you contribute $1200 towards your loan closing costs. This money will be prepaid on a monthly basis during partnership with Habitat. Any prepaid closing costs are fully refundable if a person does not end up buying a house from Habitat.


NOTICE: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Washington, D.C. 20580.


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equal housing opportunity logo

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage  and support an affirmative advertising and marketing program in which there  are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.

Delena Carson family

Delena Carson is excited to speak to anyone about her experience as a Lexington Habitat for Humanity partner family. Delena and her three children are lifelong residents of Lexington, and look forward to becoming homeowners for the first time in 2016. Their family is close, enjoying time together with movie and Monopoly nights at home. For her children, it will be the first time they have been able to have rooms of their own–one of which they might decorate entirely in Seattle Seahawks green.

Delena knows and values the opportunity she has been given to purchase a home with Lexington Habitat. She says, “To be able to have something to call my own, that my kids can look forward to and brighten their future and their horizon will change everything. Just the stability and knowing that this is our home. So we all plan to enter this home in happiness and in joy and being grateful for the blessing.”

For the sponsors and volunteers that will make this dream possible, Delena would like to say “Thanks for your dedication and hard work. It really means a lot to me and my family. This would not be possible without you.”

The Carson home is generously sponsored by Link-Belt.