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 close to $300,000 depending on the cost of land, service and development charges, etc.
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