We know that the most important way for families to gain stability and self-reliance is when they own their own homes. Every day, more and more families find themselves in a struggle to keep a decent roof over their heads. Caught in punishing cycles of unpredictable rent increases, overcrowded conditions, or lack of access to land and affordable financing, these families live with a constant burden of uncertainty, stress and fear.
Habitat for Humanity knows that safe, decent and affordable homeownership plays a critical role in helping families to create a new cycle, one filled with possibilities and progress.
Through the generous support from individuals, businesses, and community groups, Habitat raises money to buy land and materials to build a house. The money needed for each house is around $250,000.
Once all of the money has been raised, the house is built with the help of many volunteers, Habitat build participants and professionals.
The completed house is then sold to a selected family at full market value. No down payment is required. Habitat for Humanity provides a 20-year zero-interest mortgage with affordable payments that are based on the family’s income.
(Note: mortgage terms are subject to change. The mortgage terms will be determined at the time of approval. )
To learn more about our homeownership program download our Steps to becoming a Habitat homeowner
Download a preliminary Application