Habitat’s Homeownership: Direct program can help you purchase a home you love with a mortgage you can afford. It’s simple: you find a home for sale anywhere in Polk, Dallas, or Jasper County. We provide down payment assistance, a low-interest mortgage, and homebuyer education. Learn more below.

Habitat can make homeownership a reality

Home prices can make owning a home feel out of reach, but we’re here to help. Over 35+ years, we’ve helped nearly 500 families achieve their dreams of homeownership. Will you be next? Homeownership: Direct provides a clear pathway to an affordable mortgage with the support you need to succeed.

How it works

  • You complete Habitat pre-purchase counseling and 4-8 hours of online education to help you succeed as a homeowner.
  • You provide 8-16 hours of sweat equity, volunteering on our sites to help reduce home costs.
  • You shop for a home with a realtor on the open market in Polk, Dallas, or Jasper County.
  • We review the home inspection to ensure that you’re purchasing a quality home.
  • We provide up to $15,000 of down payment assistance to support your purchase.
  • You purchase your home with an affordable mortgage originated by Habitat.

How to qualify

  • Qualifying applicants for Homeownership: Direct will have a household income between 50% and 80% of area median income (see the graphic below for details).
  • Qualifying applicants must be first-time homebuyers.
  • Additional requirements will be reviewed upon application. Contact our team to learn more.

Get started

Contact our team to learn more: email homeownershipintake@gdmhabitat.org or call 515-373-1902.

Fair Housing

We Do Business in Accordance with the Federal Fair Housing Law

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.

Equal Housing Logo
Interpreters available upon request.

GDM Habitat for Humanity

95 University Ave., Suite 1
Des Moines, Iowa 50314


Office Hours
Mon. – Fri. 8:00am – 4:00pm

East Euclid ReStore

2200 E. Euclid Ave.
Des Moines, Iowa 50317

For donations, call 515-309-0224

Store Hours
Mon. – Sat. 9:00am – 6:00pm

Urbandale ReStore

4033 NW Urbandale Dr.
Urbandale, Iowa 50322

For donations, call 515-309-0224

Store Hours
Mon. – Sat. 9:00am – 6:00pm