Habitat Homeownership Qualifications

• Residency – live or work in Middlesex County
• Need – currently living in inadequate housing (i.e. overcrowded, unsafe, unaffordable, unsanitary)
• Willingness to Partner with Habitat – attend classes, complete sweat equity, volunteer with sponsor, etc.
• Ability to Pay – have and maintain good credit and have adequate income to cover mortgage payment

Protecting our Investment

Because Habitat homes are sold at Fair Market Value, some people wonder if Habitat homeowners can re-sell their homes and make a profit. If a homeowner decides to sell their home, they must notify Habitat and get the home appraised. Habitat has the right to purchase at the appraised price. If Habitat decides not to buy the house, it may be sold on the open market. However, most of the subsidies will need to be paid back. Habitat’s goal is to maintain a stock of affordable housing in the county.

Funding for Habitat

Habitat homeowners repay their affordable mortgage to Habitat over 30 years. Habitat uses this money, along with proceeds from our ReStore, donations, home sponsorships, and grants, to build and repair houses for families in need.

Become a Homeowner

We are always open to starting a conversation with motivated families and individuals that are interested in becoming Habitat homeowners. This section of our website will give you some information on what it takes to qualify and apply, and how to get started. Click Here

Local Assistance Programs

Here are some other local housing assistance programs if you need immediate housing assistance or don’t think Habitat is the right program for you at this time. Click Here