Guided Pathway House Template | Denver Nonprofit | Habitat for Humanity of Metro Denver
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Guided Pathway

430 S Navajo St,

Denver, CO 80214

$290,000

2

1.5

980 sqft

Jump to a step of the process or scroll down:

STEP 1

Attend an info session

STEP 2

Fill out the questionnaire

STEP 3

See the application process for this home

About this home:

This single-family home is in the Tollgate Crossing neighborhood near E Quincy Ave and 470.

Property Information

Style:
Single-family

Bedrooms:
Two

Baths:
One

Square Ft:
962

Accessible:
TBD

Property Features

  • All new carpet, paint, countertop and flooring, double-pane windows and lighting
  • New appliance package including refrigerator, stove, disposal, washer and dryer

Finance

Minimum gross monthly income:
$5,505

HOA Fee:
$161/monthly

Schools

Elementary:
Buffalo Trail Elementary

Middle:
Thunder Ridge Middle School

High:
Eaglecrest High School

*Monthly housing costs will not exceed 30% of buyer’s gross monthly income.

Application process for the Guided Pathway:

Step 1: View Homes for Sale

  • Click on a property webpage to see the number of bedrooms and bathrooms, price, and square footage.
  • Your household size should allow for no more than two people per bedroom.

Step 2: Review Program Qualifications

1. General Requirements

To qualify for homeownership, applicants:

  • Must have lived or worked in metro Denver for at least six months (Adams, Arapahoe, Denver, Douglas, and Jefferson counties)
  • Must be a first-time home buyer
  • Cannot be a registered sex offender
  • Must provide proof of U.S. citizenship or permanent residency
  • Have at least 36 months since discharged from a bankruptcy
  • Must commit to completing sweat equity hours in partnership with Habitat
2. Financial Requirements

Applicants also must:

  • Demonstrate consistent employment history and income. Current wages need to be reflected on most recent tax return
  • Maintain a monthly gross income within our income guidelines (below), based on your household size
  • Have less than $1,000 in unpaid collections. Any active collections must be in payment plan and paid off prior to home closing.
  • Have a “non-housing-related payment debt-to-income (DTI) ratio” of less than 13%. Debts might include minimum monthly credit card payments, car loans, student loans, etc. Income can include wages, business income, SSI/SSDI disability, alimony, child support, and retirement. Show a total debt-to-income ratio (including Habitat mortgage payment) that is less than 43%
  • Demonstrate responsible credit and bill-paying history
  • Have a minimum credit score of 620
3. Income Requirements

To purchase a Habitat home, 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 – $72,950
  • 2 Person Household – $83,400
  • 3 Person Household – $93,800
  • 4 Person Household – $104,200
  • 5 Person Household – $112,550

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

Step 4: Receive an Invitation to Apply

If you meet the requirements, you will receive an invitation to apply via email. In the application, you will:

  • Receive a link to our application packet and document request
  • Have five business day to return the complete packet and provide the requested documents
  • Have your application reviewed by our team to verify income, review credit and confirm household size
  • Undergo a credit check as the last step in your financial review
  • If you meet all the qualifications, a selection letter will be sent officially entering you into our program. Congrats!

Step 5: Complete Partnership Requirements

When you select your future home, you will sign partnership documents, which will require you to:

  • Complete “sweat equity” hours, which includes volunteer shifts on construction sites and at Habitat’s ReStores, and completing a series of online homeownership classes
  • Finalize your mortgage loan and close on your new home!
For questions about applying, please contact our team.

Homeowner Services

720-496-2726
info@habitatmetrodenver.org
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