Program requirements

Habitat partners with people to help them build a place they can call home. Homebuyers work alongside volunteers and construction staff to help build their own homes, which they then purchase with an affordable mortgage. To qualify to purchase a Habitat home, you must meet the following program requirements:

Able to pay an affordable mortgage

  • Proof of steady income

  • Have satisfactory credit history, with no accounts in collection, no charge-offs, no unsatisfied public records, and no bankruptcies within the last 4 years.

  • Establish a monthly savings account

  • Provide 1% cash down payment


In need of better housing

  • Be a first-time homebuyer, defined by the Department of Housing and Urban Development (HUD) as not having owned a home in the past 3 years

  • Earn 50%-80% of the Area Median Income (AMI) as established by HUD

  • Be currently living in overcrowded, substandard, public or unaffordable housing; and/or unable to qualify for a conventional mortgage

Willing to partner with Habitat

  • Complete 250 hours of "sweat equity"

  • Complete required financial education and homebuyer preparation courses

Living or working in our service area

  • Be a legal permanent resident or citizen of the U.S. and have lived or worked in Albany, Rensselaer or Southern Saratoga County for at least the past year.

I learned how to maintain my home and how to finance it. I wasn’t just getting a home—I was gaining knowledge and experience in the process.
— Eh P., Habitat Homeowner

What we build

Habitat builds new homes and rehabilitates vacant homes for first-time homebuyers. We work with our homebuyers to secure an affordable mortgage from one of our local banking partners. We also provide pre-purchase counseling and support services to make sure you will be successful in your new home.

We do not provide home repairs for owner- or renter-occupied homes, nor do we provide grants for housing or home repairs. Habitat does not own or manage any rental properties.

Where we build

Habitat is committed not just to building homes, but to building community. We prioritize our construction efforts within focus neighborhoods to maximize our impact. Currently, we are building in Albany’s Sheridan Hollow and South End neighborhoods and the North Central Troy neighborhood.

Equal Housing Opportunity.jpg

Habitat for Humanity follows a nondiscriminatory policy of family selection. We are pledged to the letter and spirit of the U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.