FAQs

Doesn't Habitat give homes away?

Habitat does not give homes away. We build or refurbish homes which are then sold to qualified partner families who pay a no-interest affordable mortgage. It is a hand up, not a handout.

Are there income requirements?

Gross household income must be at or under 80% of the Area Median Income. Area Median Income guidelines are set by HUD and based on household size (the number of people you plan to have living with you). You will be required to provide proof of steady income. Guidelines are subject to change.

How are applicants selected?

Once you return a completed application and supporting documentation, Habitat conducts an internal review for completeness. Then, our Partner Family Selection Committee reviews all applications and makes their recommendations to the Board of Directors.

Your acceptance into the Habitat program means that you have met Habitat’s criteria for selection. As you go through this process, you will also work toward fulfilling your Habitat partnership commitments.

We are pledged to the letter and spirit of the U.S. policy for the achievement of equal housing opportunity throughout the nation.

Will credit checks or background checks be conducted?

Yes, Habitat conducts credit and background checks on all applicants. A criminal history does not automatically disqualify an applicant; any issues that come up in a background check will be handled on an individual basis. Habitat will verify employment, obtain housing and banking references, and check credit to make an assessment as to whether Habitat is an appropriate program for the applicant(s).

What is sweat equity?

Sweat equity is a core tenet of Habitat’s ministry. The term refers to the actual hands-on involvement of future homeowners in the construction of their homes and in other Habitat & community activities. Sweat equity is designed to meet three important goals: 1) Partnership through providing meaningful interaction between future homeowners, Habitat staff, volunteers and community members; 2) pride in homeownership, and; 3) development of skills and knowledge.

All Habitat homebuyers must complete 350 hours of sweat equity. These hours may be completed by family members planning to live in the Habitat house as well as by friends and relatives.

How much will the house cost?

Habitat is committed to keeping housing payments affordable for our qualified homebuyers. Your monthly housing payment, which includes your mortgage payment, homeowners’ insurance and property taxes, will not be more than 30% of your gross monthly household income. The sales price will take into account the fair market value of the home, number of bedrooms, location and additional amenities provided.

How much interest do you charge on a Habitat home?

Habitat sells the homes at no profit and with 0% (zero percent) interest on the mortgage.

How much is the down payment?

Habitat is able to sell homes with no down payment required thanks to various programs we partner with. You will need to pay closing costs, however, so plan on saving up for this.