Below is everything you need to know about applying for a home with Habitat! If you have any additional questions, we would be happy to help.
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Each applicant must meet the following requirements:

  • You must have a form of steady income. Unacceptable Income includes unemployment benefits, and any other form of temporary income.  SNAP income, permanent child support, SSI, and other forms of assistance are considered.
  • You must be within the income guidelines listed in the chart below. (Titled: INCOME GUIDELINES)
  • You, the applicant(s), must be willing and able to partner with Habitat for Humanity Cape Girardeau and perform up to 350 hours of sweat equity (250 if single head of household) as well as attend ALL classes and workshops scheduled before, during, and after home-ownership has been achieved.
  • Bankruptcy must have a three-five year discharge time limit with sufficient credit history after discharge (this will be reviewed on a case-by-case basis).

Our application process has many areas of focus:

  • Credit history
  • Employment history
  • Landlord/rental history
  • Criminal background check (every household member over 18 years of age)
  • Current household expenses
  • Willingness to partner
  • Ability to maintain 25 year mortgage

If you meet all of the above qualifications and have a successful home visit, you will be asked to execute a partnership agreement with Habitat for Humanity - Cape Area.

Your application and documents will be reviewed for approval by the Family Selection Committee and the Board of Directors. You will need to submit the following documents (copies) with your Official Application:

  • Copy of official birth certificates for all family members
  • Copy of social security cards for all family members as well as statements if receiving social security benefits (print-outs are acceptable until official card[s] are received)
  • Copy of state issues driver's license or state issued identification for family members age 18 years or older
  • Copy of court ordered child support and a 12 month print-out of payments received or made
  • Copy of check stubs from the last three (3) pay periods for all family members who are employed and are age 18 years or older
  • Award letters for any funds received for SSI, Disability, etc. for any family member
  • Copy of most recent checking and/or savings account bank statements - 2 months
  • Letter verifying current employment status (date of hire, rate of pay, pay schedule, position/title, and contact name and phone number for verification)
  • Copy W2s and tax information with all schedules (Federal and State filings)
  • TANF statements if any is received
  • Alimony proof if any is received

If your application is approved by the Board of Directors and a partnership agreement executed, then the family is required to do complete half of the sweat equity hours before a home build can be started. These hours can include working on other Habitat builds or in the Habitat Restore. Other household members and their friends (up to 40% of the required hours) can help work these hours as well.

  • I am self-employed. How would I verify my income?
    You must use your income tax return from the past two or three years as proof.
  • What type of credit rating is acceptable for your program?
    Credit scores are generally in the 500 and 600 ranges, below typical bank qualifying levels, but bankruptcy judgments and delinquencies must be cleared and proof of resolution provided.
  • Once I am qualified for the program and notified of my qualification, how long do I have to complete my pre-build sweat hours?
    You have up to 12 months to complete your pre-build sweat hours.
  • Do I have the choice of selecting where I would like to have my house built?
    You will have a limited set of choices among existing Habitat owned lots.

Income Guidelines

Family Size Min. Income Max. Income
1 $15,000 $33,768.00
2 $15,000 $38,592.00
3 $15,000 $43,416.00
4 $15,000 $48,240.00
5 $15,000 $52,099.00
6 $15,000 $55,958.00
7 $15,000 $59,817.00
8 $15,000 $63,677.00

Note: User gross income to determine total family income. (Gross income is your income before taxes have been taken out.)


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Blog Home > Category > Stories

The Groundbreaking

Cape Area Habitat for Humanity, hosted the groundbreaking ceremony on Friday, December 1, 2017 to launch a new Habitat home construction in Jackson at the home site on James Street. The Boyd family was finally ready to break ground; taking the first step of their journey.

The groundbreaking began at 12 p.m. at the lot. Many people from community joined the groundbreaking.

After a long wait, involving a tremendous community effort to help raise funds, the event commenced.

The Boyd family broke ground, their smiles of anticipation for the future crossed their faces. Not even the bleak winter atmosphere could not dull the excitement. Applauds resounded in congratulations.

A very special thanks to our sponsors and volunteers for all the hard work they put into this project. This groundbreaking ceremony was truly a huge success.

Get Involved

To learn more about how you can help, visit: www.capeareahabitat.org. You can also follow us on Facebook.

A local display has been assembled by members of the Cape Area Housing Committee in the lobby of Wehrenberg Theatres Cape West 14 Cine designed to bring awareness to the plight of those in our community who experience lack of food and shelter on a regular basis. The display can be viewed through November 28th.

Earlier this week, Habitat for Humanity’s Executive Director, Al Stoverink, along with representatives from several other organizations and community leaders, joined together to kick off National Hunger and Homelessness Awareness Week, presenting the display and shedding light on several issues that affect the homeless community, including mental health, substance use, and food insecurity. Mayor Harry Rediger also read a proclamation, approved by the City of Cape Girardeau, in recognition and support.

While this week is a great opportunity to raise awareness and volunteer, it is important to acknowledge these issues live on year round. Cape Area Habitat for Humanity is proud to partner with over 20 other organizations in being part of the Cape Area Housing Committee, a group actively involved, throughout the year, in promoting housing resources within the Cape Girardeau and surrounding communities. If you are interested in learning more about the Housing Committee or want to be involved in the homelessness solution, please contact us at hfhc@capeareahabitat.org.

Cape Area Habitat for Humanity has been a great organization to partner with. Their desire to help us fulfill the dream of owning our own home has opened so many doors for our family and has given us the courage needed to make other responsible financial and life decisions. Cape Area Habitat for Humanity has given our family the opportunity to take reasonable steps to get out of the mess we had made and pursue the American Dream. Thank You for the “hand up” to a better life for our family, our children, and our community!

-Paul Aydelott

We have lived in our Habitat for Humanity house for over 5 years and we couldn’t be happier. Thanks to Habitat, our family has a home of our own, that we helped build ourselves. Now our children can grow and thrive in a safe and affordable place. If it weren’t for Habitat, we might not have been able to build and own our beautiful home!

–John and Ashlei Sterling

May 19, 2016

Bertha’s Story

Hello, my name is Bertha, and I am a Habitat for Humanity homeowner since 1998.  It is a blessing to have the opportunity to be a homeowner, which is an American dream.  I am thankful to this organization to give families this opportunity at an affordable cost to be homeowners.  I try to get the word out to family and friends who are renters about going to the organization and fill out an application.  Whether or not you feel as though your credit isn’t in the best of shape, at least if you are denied they will inform you on what you need to do to get it to where they can approve you.  And the best thing about getting a home, besides getting a home, is the fact that you help build it from ground up.  So Habitat for Humanity isn’t a charity where they just give you a helping hand, but a hand out to help you pull yourself up so that you have the opportunity as anyone else to be a homeowner.
So I say thanks to Our Lord and Savior Jesus Christ for introducing me to Habitat for Humanity!


April 21, 2016

Renee’s Story

My name is Renee Miller, I live at 1119 Cousin St in Cape Girardeau, Mo. My house was built in 2004 so I’ve been in my house for 10yrs. I loved building on MY HOUSE from the ground up watching step by step my house coming to life. Picking what I want in my house was great knowing that I’m paying on a house is great. Plus meeting different people that helped on my house putting in their love & blessing on this house was amazing. Thank you, Habitat, for this opportunity.