Homeownership with Habitat

Looking to own a home?

Habitat partners with low-income buyers to purchase homes with an affordable mortgage payment.


Habitat provides buyers with the education and support to be successful in the homebuying journey and beyond. Our homeownership program takes buyers an average of 18-24 months to complete. While in the program buyers are matched with a homeowner advocate, participate in homebuyer education courses, and work on building their credit, savings & budgeting to be in the best financial situation.

We are not accepting applications at this time. Applications received for the April 2022 round are currently under review. To be added to our inquiry list please complete the inquiry form found here

Why Habitat?

  • Low-interest mortgage with affordable monthly payments 30% or less of your household income

  • Required pre-purchase homebuyer education classes prepare you for the responsibilities of homeownership

  • We are a trusted partner. For more than 30 years, South County Habitat for Humanity has sold Habitat homes to 73 homebuyers

  • Our homes are built to the highest energy efficiency ratings and are designed to be easy and low-cost to maintain

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 Applications for homeownership are assessed for 3 primary criteria:

  • Need: Current housing is substandard or inadequate (overcrowded, substandard, unsafe, etc.) or household income is insufficient for a conventional mortgage.

  • Ability to Pay: Able to pay a 0% to low interest mortgage

  • Willingness to Partner: Applicant(s) agree to work with Habitat and contribute the required number of sweat equity hours building Habitat homes or working in the ReStore. 

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How to apply

South County Habitat for Humanity accepts applications on a periodic basis depending on opportunities available. To learn more, or to be notified of future homeownership opportunities, complete a Homeownership Interest Form found here or call 401.213.6711

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