If homeownership feels out of reach, you’re not alone. Blueprints Financial Coaching was created for working individuals and families who are ready for greater stability, even if buying a home doesn’t feel possible right now.
This free program may be a good fit if:
• You work hard, but still feel stuck renting
• You earn too much to qualify for most assistance programs, but not enough to buy comfortably
• You have steady income yet struggle to build meaningful savings
• You’ve been told your credit needs improvement before you can qualify
• You’re ready to create long-term stability for yourself or your family
You may be closer than you think, and we’re here to help you take the next step.
This free program may be a good fit if:
• You work hard, but still feel stuck renting
• You earn too much to qualify for most assistance programs, but not enough to buy comfortably
• You have steady income yet struggle to build meaningful savings
• You’ve been told your credit needs improvement before you can qualify
• You’re ready to create long-term stability for yourself or your family
You may be closer than you think, and we’re here to help you take the next step.
What We Offer
• Free one-on-one financial coaching in a supportive, judgment-free space
• Credit-building support with simple, actionable steps
• Personalized budgeting plans that fit your life and goals
• Homebuying education to guide you through the process with confidence (see below)
• Monthly participant meetings with a dedicated financial coach for up to 24 months, focused on saving, credit improvement, and long-term success
Free Homebuying Education Classes:
• Financial classes:
• Personal Finance
• Understanding your Mortgage
• Personal Finance II
• Homeowner's Insurance
• Career Planning
• Finance Investment
• Conserving Energy
• Thriving in Your Community
• Estate Planning
• Foundations
• As well as hands-on classes including (tool basics, door/floors, kitchen, bathroom, exterior home, home systems, and more!
Upon program completion, participants may be eligible for down payment assistance of up to $15,000 and a home repair loan for up to 2 years post purchase (2% interest rate applies, up to $15,000).
• Credit-building support with simple, actionable steps
• Personalized budgeting plans that fit your life and goals
• Homebuying education to guide you through the process with confidence (see below)
• Monthly participant meetings with a dedicated financial coach for up to 24 months, focused on saving, credit improvement, and long-term success
Free Homebuying Education Classes:
• Financial classes:
• Personal Finance
• Understanding your Mortgage
• Personal Finance II
• Homeowner's Insurance
• Career Planning
• Finance Investment
• Conserving Energy
• Thriving in Your Community
• Estate Planning
• Foundations
• As well as hands-on classes including (tool basics, door/floors, kitchen, bathroom, exterior home, home systems, and more!
Upon program completion, participants may be eligible for down payment assistance of up to $15,000 and a home repair loan for up to 2 years post purchase (2% interest rate applies, up to $15,000).
Eligibility
Iowa Heartland Habitat for Humanity will work with Blueprints participants for up to 24 months while financial goals are being met.
To be eligible for Blueprints:
• Participants must earn 120% or less of the Area Median Income (AMI) and have a credit score below 640.
• Blueprints participants commit to regular financial coaching as well as progress towards financial goals.
• Participants commit to the completion of homebuyer education classes.
Area Median Income (AMI) represents the middle point of income distribution in a defined area. See charts below to see if you fall below our 120% AMI guideline.
To be eligible for Blueprints:
• Participants must earn 120% or less of the Area Median Income (AMI) and have a credit score below 640.
• Blueprints participants commit to regular financial coaching as well as progress towards financial goals.
• Participants commit to the completion of homebuyer education classes.
Area Median Income (AMI) represents the middle point of income distribution in a defined area. See charts below to see if you fall below our 120% AMI guideline.
Income Guidelines
Family Size
Income Range
1
$19,350-$77,280
2
$22,100-$88,320
3
$26,650-$99,360
4
$32,150-$110,400
5
$37,650-$119,280
Black Hawk County
Family Size
Income Range
1
$22,500-$89,880
2
$25,700-$102,720
3
$28,900-$115,560
4
$32,150-$128,400
5
$37,650-$138,720
Bremer County
Family Size
Income Range
1
$20,900-$83,520
2
$23,850-$95,520
3
$26,850-$107,400
4
$32,150-$119,280
5
$37,650-$128,880
Buchanan County
Family Size
Income Range
1
$19,350-$77,280
2
$22,100-$88,320
3
$26,650-$99,360
4
$32,150-$110,400
5
$37,650-$119,280
Butler County
Blueprints participants commit to regular financial coaching as well as progress towards financial goals. In addition, participants commit to the completion of homebuyer education classes.
Upon program completion, participants may be eligible for down payment assistance of up to $15,000 and a home repair loan for up to 2 years post purchase (2% interest rate applies, up to $15,000).
Upon program completion, participants may be eligible for down payment assistance of up to $15,000 and a home repair loan for up to 2 years post purchase (2% interest rate applies, up to $15,000).
Learn More
View criteria and income verification for the Blueprints financial management program.
View Checklist
StoRIES of Impact
Sausha
"My future has changed in a lot of great ways. I have a 2-year-old daughter and I’m just excited for her to have a home where she can grow up in."
Apply Online
We are now accepting applications for our Blueprints Program online. Please contact Iowa Heartland Habitat for Humanity at 319-235-9946 if you have any questions.
Blueprints Application
