Who Can Apply

Habitat for Humanity selects families who are ready for the responsibility and challenges of homeownership, but would not qualify for a bank mortgage. The selection of families is based on the need for safe, decent, affordable shelter, the ability to pay a zero-interest mortgage, and the willingness to give back to the community through volunteering.

In order to qualify for a Habitat Niagara home, families must meet the following criteria:

Potential applicants must be:

  • Currently living together in sub-standard housing which could include overcrowding, unsafe living conditions, or paying more than 30% of income toward housing costs
  • A permanent resident of Canada
  • Currently living in the Niagara region
  • Able to manage debt in a responsible way. A bankruptcy must have been discharged for at least two years.
  • A minimum of three family members living in the home
  • Assets must be below $30,000 (does not include education savings plan)
  • To be eligible, the total gross annual income for the applicants must be above the minimum income listed below
  • Total gross household income must be below the maximum income listed below

Ability to Pay

Note: "Gross" income is the amount before deductions
"household" income includes all income from all persons 18 years or older who live in the home and who are not full-time students

  • At least $24,000 of your annual income is from employment, disability or pension income
  • Include only half of Child Care Benefits and support payments
  • For ODSP, include only shelter and basic needs benefit amounts
  • Do not include income from Ontario Works, Employment Insurance, GST/HST or Trillium
  • Employment income must be for a minimum of two years with current employer
  • Families must be able to afford to pay a mortgage and not have a large amount of debt
Family Size Gross Annual Income
3 Persons $34,000 - $46,000
4 Persons $34,000 - $53,000
5 Persons $34,000 - $59,000
6 Persons $34,000 - $65,000
7 Persons $34,000 - $70,000
8 Persons $34,000 - $75,000

Willingness to Partner

  • Families must be willing to volunteer 500 hours of volunteering with Habitat for Humanity Niagara (extended family and friends can help with some of the volunteer hours)
  • Families must attend a series of workshops on homeownership and be willing to participate in Habitat's Family Partnership program which offers support and guidance in all aspects of homeownership
  • Families must be willing to accept all the responsibilities of homeownership including paying property insurance, taxes, utilities, maintenance, and other common homeowner expenses
  • Families must be willing to work towards building solid relationships with volunteers, donors, community members and neighbours as a Habitat homeowner

For more information, contact Family Services at 905 685 7395 ext. 406 or familyservices@habitatniagara.ca