No. All Habitat homeowners purchase their house from Habitat with an affordable interest mortgage, including escrow for taxes and insurance. Mortgage payments through Habitat are like any other mortgage and must be paid monthly in order to maintain ownership of your home.

It takes an average of 2-3 years to fully complete the Partner Family Program.

For those with immediate housing needs, we recommend contacting United Way’s HelpLink™ 211. By calling HelpLink 2-1-1, you can connect with a live person 24 hours a day who will help you navigate your local nonprofit network. They are specially trained to help with problem solving and crisis intervention.

Habitat can accommodate a range of abilities at our build sites. A few of our homeowners have swung hammers from a wheelchair! If your disability prevents you from being on-site, we will work with you to find suitable sweat equity alternatives.

Ability to pay is an important factor in our selection process. You must be able to document that you have the financial resources to pay your mortgage. We serve families at 30-60% of their county’s median income with adjustments for family size. If your income is higher, there are other homeownership options in the community for you.

We consider wages (employed 6 months or more), Social Security and other pensions, SSI, SSD, child support, and several other forms of government support. Income must be documented, regular and verifiable to be considered. Odd jobs or payment in cash with no supporting documents cannot be accepted.

Yes. Credit reports offer a good look at your credit history and help us determine your debt-to-income ratio, which will affect your ability to pay. Bad credit does not necessarily disqualify you from the program. If selected, you will be required, however, to attend credit counseling and work toward repairing any credit issues.

Habitat of Greater Dayton builds/rehabs simple, decent, and affordable housing. Unless required by city ordinance for new construction or already included in a rehab property, Habitat does not include basements or garages. Every house will have a shed if a garage is not required by the city.

No. You must first meet all criteria regarding income, need, location, etc. Due to the nature of our funding, we may be limited on what projects we can do and where we can do them. Habitat tries to help as many families as we can, but we are limited by the amount of repair funding and our volunteer and staff capacity.

Once approved, it could take 6-12 months for your repair to be scheduled and completed.

We are unable to repair rental properties, but you may be able to get help by calling United Way's 2-1-1 hotline.

Habitat's Critical Repair Program may be able to assist you with certain repairs. Go to our Critical Repair Page to learn more!

We offer a variety of repairs, including roof repair/replacement, water heater replacement, HVAC repairs/replacements, bathroom modifications, ramp installation, and more.

No. In the rare instance that a homeowner would be expected to pay, that information would be made known prior to the beginning of any project.