Littleton HomeOwnership Process

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Littleton Homes Homeownership Process

How do you buy a home with Habitat?

Here is a step-by-step overview of what to expect during Habitat’s homeownership process in Littleton, which is different than the process in other areas of Denver. Click on each step to see details.

You can search current inventory by location, number of bedrooms and bathrooms, and price. You’ll also see each home’s square footage, and the minimum and maximum gross income required to qualify. Your family size should allow for no more than two people per bedroom. Homes are added regularly.

Step 2: Review our Program Qualifications

To qualify, you must make less than 80% of the Area Median Income (AMI). Your income level is based on your household size. To qualify for a Habitat home, you must make less than the amount listed below for your household size.

1 Person Household $55,950

2 Person Household $63,950

3 Person Household $71,950

4 Person Household $79,990

5 Person Household $86,300

These are the maximum household incomes allowed. Note that while these represent our most common household sizes, Habitat Metro Denver serves households of up to 10 when homes are available.

Step 3: Determine if You’re Ready

If you are ready to take the next step and see if you qualify to purchase a Littleton Home, start by attending an Information Session to hear more about the program requirements and learn next steps for applying to purchase a home.

The next Information Session is March 7th at 5:30 pm on Zoom. Registration link above.

Step 4: Apply

The process includes the following steps:

Attend a Littleton Homes Information Session and receive the link to the Eligibility Questionnaire.
If you pass the questionnaire, connect with an approved lender after attending an Info Session to start the mortgage pre-approval process. Once you receive your loan pre-approval, contact the Homeownership Program intake team to income certify.
Start the Habitat Program Intake Process, which includes (1) a link to our application packet and document request; (2) your packet, which must be completed and returned with the requested documents within five business days; and (3) your application, which will be reviewed by our team to verify household size and total household income.

The application process is usually completed in less than 30 days.

Step 5: Home Release Event

Homebuyers with a pre-approval letter from an approved lender and a Habitat Income Certification will receive an invitation to attend Home Release Events. We will offer homes as they become available to Priority List members.

Step 6: Complete Partnership Requirements

When you select your future home, you will go under contract, which will require you to:

Sign a Real Estate Contract with a Habitat representative.
Make a $500 earnest money deposit to the Title Company.
Complete a series of online homeownership classes and the CHFA pre-purchase homeownership class.
Finalize your mortgage loan and close on your new home!

Habitat Denver’s Littleton homes are part of a community land trust

What does that mean?

A Community Land Trust (CLT) provides many benefits to homeowners. A CLT is a nonprofit that holds the ownership of land through a 99-year land lease on behalf of a series of homes, while serving as the long-term steward for affordable housing.

CLTs make housing more affordable to own because homeowners only purchase their house and only pay property taxes on the house, making their payments lower. Homeowners must pay a monthly $90 land lease fee, but gain appreciation on the value of the property.

Is homeownership with Habitat right for you?

Habitat selects future homeowners for our homeownership program through three sets of criteria. Before you apply, make sure you have:

Need for housing

We partner with families who have low- to moderate incomes and who experience crowding, expensive rent, or unsafe conditions in their current home.

Willingness to partner

All Habitat homeowners atten homebuyer education courses and invest sweat equity to help build homes.

Ability to pay

Future homeowners will pay affordable mortgage payments that are around 30% of their gross monthly income.

Learn more about becoming a Habitat homeowner

View homes currently for sale to learn about where we are building in the city. You can also attend an information session to ask questions and hear about the Habitat home buying process.

View Current Properties

Attend a Homeownership Information Session

We are pledged to the letter and spirit of the 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, sexual orientation, gender identity, handicap, familial status, or national origin.

Habitat for Humanity of Metro Denver is a 501 (c) nonprofit organization, FEIN: 74-2050021 see our About Us page for more organization information.