Home ownership.

An affordable home with an affordable mortgage.

Do I qualify?

Habitat for Humanity’s homeownership program is based on the concept of partnership. Our commitment to that partnership is to build or renovate simple, decent homes and sell them to qualified working families at below-market prices. By working with us from beginning to end, Housatonic Habitat helps prospective individuals prepare for the various responsibilities of owning a home, including learning about personal finances, mortgages, maintenance and upkeep of homes, and much more.

Applicants will be evaluated for eligibility in three key areas:



Your current living situation is inadequate for your family, and you have a need for an affordable home. You don’t qualify for a conventional mortgage for a market-priced home.



You have a stable income, and enough income to pay a monthly mortgage, including taxes, insurance, and utilities, and other expenses related to owning a home. You are deemed “credit-worthy.” We will evaluate your current debt and other living expenses compared to your income. (If you are taking steps to repair any credit problems, we will take that into consideration.)



Habitat families are required to partner with us and complete 250 hours of "Sweat Equity" prior to purchasing their home. Completion of a financial literacy home ownership courses is required, as well as other various service requirements.

Ready to take the first step?

If you think you qualify and are ready to take the next step toward homeownership with Habitat, please complete this quick “pre-screen” and we will send you instructions on how to proceed with the selection process. Our formal application is for those who meet income guidelines and will require you to write a personal statement of need, as well as provide financial documents.