How to Become a Clark County Fuller Center Homeowner

Building Houses on Higher Ground, in Partnership with God's People in Need

What is The Fuller Center for Housing?

The Fuller Center for Housing is an international Christian organization of local covenant partners whose mission is to eliminate substandard housing by building new homes or renovating existing housing in partnership with low-income families. Home prices are kept low primarily by using volunteer labor. Funding is obtained through donations and grants. In most cases, government money is only used for land acquisition, infrastructure (sidewalks, utilities, streets, etc,) and administrative expenses.

The Clark County Fuller Center for Housing was organized in the fall of 1989 and started as a Habitat for Humanity affiliate in 1990. In April of 2015, the organization realigned itself with the Fuller Center for Housing and changed its name from Clark County Community Habitat for Humanity to Clark County Fuller Center for Housing. As of April 2015, a total of 57 homes have been constructed in Springfield, most on the city's south side.

Becoming a Partner Family

The first step is to contact our office (937-325-2514) if you are interested in applying for the program. The brochure will ask you questions that will help you determine whether or not you might be eligible for the program. After returning the brochure to us, someone from our Family Selection Committee will contact you. If you qualify at this point, you will be asked to fill out and return a four-page application as well as a signed waiver to obtain a credit report and a small fee to pay for the report.

When applications and credit reports are received, they are reviewed by the Family Selection Committee to ensure the basic criteria are met. These include, but are not limited to, the following:

  • Applicant currently resides in Clark County.
  • Applicant's family income is not less than 30% and not more than 80% of the Springfield median income.
  • Applicant's family income must be sufficient to meet a monthly mortgage payment, including an escrow amount to cover homeowner's insurance and real estate taxes. To date, this amount is typically around $300-$400 per month.
  • Applicant must be unable to secure a conventional mortgage loan.
  • Applicant's current residence must be deemed substandard housing.
  • Applicant's family must be willing and able to meet the "sweat equity" requirement: 250 hours per adult in the household, up to a maximum of 500 hours. The majority of the sweat equity hours (volunteer time) must be spent on the construction site. Additional hours maybe obtained by assisting with office work, in our ReUse Store, with mailings, at special events, etc.
  • Applicants must be able to pay at least $900 in fees at the closing. The total amount varies from applicant to applicant.
  • Applicants must be willing to participate in required home ownership and financial workshops.

In addition, applicants must permit the Family Selection Committee to check references and come to their home for a home visit. All applications are considered without regard to race, sex, marital status, religion, creed, age or disability.

After applicants are reviewed by the Family Selection Committee, the committee selects a family or families to recommend to the Board of Directors for approval as partner families.

The time frame from application to recommendation to the Board can vary greatly depending on the number of applications received and possible delays in the review process. In some cases, it has taken almost a year. At other times, it is only a matter of months. Applicants are welcome to call the office to inquire about their status.

Becoming a Homeowner

When an applicant family becomes a partner family, an advocate is assigned by the Family Selection Committee. This advocate assists the family in making decisions about the home, obtaining sweat equity hours, and understanding the various Fuller Center policies.

The partner family will need to begin volunteering soon after being selected to meet their sweat equity requirements. We try to build and remodel homes for partner families in the order the families have been approved. We also take into consideration the number of sweat equity hours the family has acquired. Usually a partner family chooses from the lots currently owned by the covenant partner and meets with the our building consultants to select a house plan. Due to funding restrictions, the covenant partner may be required to build homes on certain lots within a specific time frame. Rarely, the covenant partner begins a home without a family. The time frame from partner family to homeowner again varies greatly depending on the funds and lots available. Some families have waited more than two years.

A Fuller Center Home

Most Fuller Center homes are approximately 1,100 square feet with three or four bedrooms and one bathroom. Our covenant partner has built two 2-bedroom homes and three 5-bedroom homes. Home plans are kept simple to keep costs down. Simple alterations to house plans may be made by the family prior to construction if approved by the Board of Directors. A storage shed is built for each house. There is no garage. Most of our houses have been one story; however, we have built a one and a half story and several two-story houses.

All homes come with a new stove and refrigerator. They often include a new dishwasher, washer and dryer. The partner family generally chooses floor coverings and bathroom fixtures within a budgeted amount, selects the color of siding and chooses between a gas or electric stove (in cases of new construction). The interior is painted off-white, unless colors are mutually agreed upon before painting commences.

Are You Interested? Simply call the Fuller Center office at 937-325-2514 and say you are interested in becoming a partner family. You will receive basic information about the Fuller Center program and be asked a few pre-screening questions. Or contact us at:

Clark County Fuller Center for Housing

259 S Wittenberg Ave
P.O. Box 1282, Springfield, Ohio 45501
Phone # (937) 325-2514 Fax # (937) 325-7782
Web site:

"The selection of families who will purchase homes from Clark County Fuller Center for Housing will be done by the Family Selection Committee in a way that does not discriminate on the basis of race, sex, color, age, handicap, religion, marital status, or because all or part of the applicant’s income is derived from public assistance programs.”