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Homeownership Program

Home is in Your Hands

Our Homeownership Program makes the dream of homeownership possible for many Chippewa Valley families. Having a safe, affordable home empowers a family to invest in a more secure future for themselves and their children.

The program allows qualified, low income, hardworking people in the Chippewa Valley to purchase a home. Financing is obtained from the USDA or local lending institutions. For qualified Partner Families, no downpayment is required.

Pre-Applications will OPEN this Spring!

Applications will OPEN for properties in Menomonie this Spring!

Do you know anyone who is looking for a beautiful new 3 bedroom home in Menomonie?

  • Menomonie Home – Twin homes are being built on Brickyard Road in Menomonie, WI.

Typically, families qualify for a $140K-$160K mortgage (usually not exceeding); be income eligible (typically, $40K-$50K annually); afford a $1,000 – $1,500 monthly rent payment and pass a background check. 

If you or someone you know would benefit from our Homeownership Program, please download the below application and return the completed pre-app to the Chippewa Valley Habitat for Humanity office.

The Pre-Application can be downloaded below.

If you have any questions, please reach out to us. Questions and completed applications can be sent to our Affiliate Manager, Elizabeth Gray, at the following address:

Chippewa Valley Habitat for Humanity
145 N. Clairemont Avenue
Eau Claire, WI 54703

Contact E-mail: elizabeth@cvh4h.org
Office Phone: 715-833-8993

Twin Home Elevations & Floor Plan

At Chippewa Valley Habitat for Humanity, we’ve helped many families through our programs.

If you live in Buffalo, Chippewa, Dunn, or Eau Claire counties, please fill out the form below to receive more information about the Homeownership Program application process. We will send you the interest form, as well as answer any questions you may have about the program or process.

Homeowner Interest Form

There are times when we have more applicants than homes we can build. We’ve developed a needs-based scoring system that allows us to prioritize families facing the greatest need for affordable, safe housing.

Program applicants must be in need of housing due to one or more of the current following circumstances:

  • Structurally substandard, unsafe or unhealthy living conditions
  • Temporary housing or over-crowded living conditions
  • Housing costs, including rent and utilities, exceeds 30% of your gross monthly household income
  • Housing is inaccessible.
  • Residence in subsidized or transitional housing (section 8, title 42)

Sources of Income

As part of the process, Chippewa Valley Habitat evaluates an applicant’s last two years of household income and debt. Applicants must be comfortable with a monthly mortgage payment set at 25-30% of their gross monthly income, and have enough income through stable employment, or other forms of permanent income to afford a home and all basic living expenses.

All income sources are included that are expected to last for three years or longer. Income includes all wages, unemployment (only if related to seasonal employment), social security, pension and/or disability. Income can also include child support, kinship care and other types of income received on a regular basis. Self-employment income is defined as the net profit. To accurately calculate your income, use this income calculator.

two Habitat staff working with family during one-on-one session

Improving Debt and Credit

An applicant’s credit history does not need to be perfect. In fact, many applicants have some debt. It is important to know how much is owed and for the total amount of debt to be manageable. It is recommended that applicants obtain a free copy of their credit report to ensure all credit is reported accurately.

All collection debt must have proof of active payment plans or be paid in full. Judgments for money must be satisfied. Visit Wisconsin Circuit Court Access to view public records. Bankruptcy or foreclosure must have been satisfied for at least 12 months.

Willingness to Partner

Applicants must be willing to work in partnership with Chippewa Valley Habitat’s team and maintain a positive and active involvement in the Homeowner Sweat Equity Program. Accommodations for health and employment concerns will be made on a case-by-case basis.

Applicants must be willing to complete 300 to 500 hours of sweat equity by:

  • Working at a construction site
  • Attending classes and workshops
  • Volunteering at the Eau Claire ReStore
  • Participating in Chippewa Valley Habitat events

Additional Applicant Requirements

  • Divorce proceedings must be finalized.
  • Applicants must provide valid documentation of Permanent Residency or Citizenship.
  • Applicants must clear a criminal background check. Any conviction(s) which are recent and/or severe in nature will be evaluated on a case-by-case basis. Chippewa Valley Habitat is unable to serve applicants if any household member is a registered sex offender.
  • All adults living together must apply together because Chippewa Valley Habitat Homebuyer program is income-based. Please contact Chippewa Valley Habitat about any exceptions.
  • Wisconsin is a marital property state and Chippewa Valley Habitat requires married couples to apply jointly.
  • All adult (over 18) household members must sign a general release for a background check and other verification.
smiling Habitat homeowner dressed in traditional African wardrobe while preparing to cut the red ribbon across her door for her home dedication
smiling Habitat family standing on their porch of their new home, with a SOLD banner hanging on the porch railing

Already Own but Need Help with Repairs?

If you’re concerned your existing home has your family living in an unsafe environment, Chippewa Valley Habitat offers a Home Repair Program. Designed to address issues such as lead paint or mold removal, leaky roof repair, bad plumbing, faulty wiring, or emerging hazards that potentially compromise safety, Chippewa Valley Habitat can help.

Let’s Talk

Our Family Services staff can work with you to provide appropriate resources. For more information, questions, and help, email our Affiliate Manager at elizabeth@cvh4h.org or call us at 715-833-8993.