Interested in our Homeownership Program?

We are now pre-qualifying families for the Homeownership Program. If you are interested in entering the Homeownership Program here at Habitat for Humanity of Greater Dayton, please fill out the form below. A member of our team will be in contact with you within 72 hours of receiving your completed form. 

If you are a current Habitat homeowner who has a question or needs assistance, please call our Mortgage Manager, Rick Akers, at 937.965.7674.

If you are in need of emergency housing, please call the United Way HelpLink by dialing 211.

Everyone deserves a decent place to call home

Habitat for Humanity of Greater Dayton believes that all hardworking individuals and families should have access to the benefits and stability of homeownership. We are committed to partnering with families to build simple, decent, and affordable homes with affordable mortgages.

Habitat is a partnership, not a charity

Habitat provides a hand-up, not a hand-out. By working with us from beginning to end, we can help prospective individuals prepare for the various responsibilities of homeownership, including learning about personal finances, mortgages, maintenance and upkeep of homes, and much more. Habitat’s path to homeownership is an important and in-depth process, requiring hard work, time, and dedication all of which help to ensure the long-term success of Habitat homeowners.

our affordable mortgages

Habitat provides affordable mortgages to qualifying families.

What makes our mortgages affordable? A family's mortgage payment is never more than 30% of their monthly income and our homes are not sold for profit. Each family’s affordable mortgage payment goes into our revolving fund to help future families. Habitat for Humanity of Greater Dayton is proud to count so many local families in it’s ranks of homeowners. Their dedication and hard work allows us to do more for the community and local families.

homeowner selection

Every family that wishes to become a Habitat homeowner must pre-qualify and be selected to submit an application. Upon applying the family will go through the homeowner selection process. Families must have need for adequate housing, must have the ability to pay a mortgage, and must be willing to partner. 

Habitat for Humanity of Greater Dayton does not discriminate against any person on the basis of race, ethnicity, age, religion, sex, gender, sexual orientation, gender identity, gender expression, national origin, physical or mental ability, genetic information, military status, marital status, medical condition, or any category identified by state or local government in their operations or delivery of service. All applicable federal and state laws regarding mortgage lending are followed.