Eligibility
Blueprints Financial Coaching is a free program that works with individuals and families who are seeking greater financial stability, even if buying a home does not feel possible right now.
Eligibility criteria for Blueprints Financial Coaching Program are as follows:
• 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.
Eligibility criteria for Blueprints Financial Coaching Program are as follows:
• 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
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).
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
