Own a Home
We are not currently accepting applications for new homeowners. We will post on this page when we are accepting them again.
Habitat for Humanity Capital District (HfHCD) is the local affiliate for Habitat for Humanity, International. Through home ownership, Habitat for Humanity Capital District helps to develop and transform communities by building affordable and sustainable homes in partnership with lower income families.
Habitat sells homes to families that meet a set of criteria. Qualified people receive an interest free mortgage.
The Family Selection Committee chooses candidate families based on a set of four criteria:
- Need for Adequate Housing – Factors considered are overcrowding, potential health hazards, and housing costs which are more than 30% of total monthly income.
- Ability to Pay for a Habitat Home – The family must be able to make monthly house payments as well as existing debt payments. If debt problems exist, the family must demonstrate the willingness and ability to resolve them. The family’s income must be 40-80%. % of the median income for that family size in the Capital District.
- Willingness to Partner – A commitment to work on, or in support of, the supervised construction activities. Much of this time is generally spent on-site in construction: time may also be contributed through office work, committee work, or other support activities. A certain amount of the “sweat equity” commitment of 350 hours can be shared by family and friends.
- Residence – The family must have lived or worked in the Albany County, Rensselaer County or Southern Saratoga County for 12 months prior to applying.
If you find you have not met the above qualifications or have housing needs that are not addressed through our program, please visit our “resource page”.