Is New Homeownership with Habitat for You?

Are you struggling to save money for a home but finding your salary is eaten up by living expenses at the end of each month, with little left for savings?

Through Habitat for Humanity, you may able to qualify to own an affordably priced home in a safe neighborhood in Seminole County and Apopka. Home prices are lower through Habitat because the cost of construction is offset by community support, enabling us to offer affordably priced homes. Our affordable housing program might help your family if you are currently living in unacceptable housing that meets the criteria for our homeownership program.

What You Can Expect from Us

If you qualify to be one of our potential home buyers, we’ll coach and prepare you for a lifetime of success in your new home. Families who partner with us invest significant time and work into applying and preparing to own a home and achieve a dream. They rarely say it was easy but they always find it was worth the work. From the time you initially apply to your move-in date, expect the process to take about 18 to 36 months depending on funding and availability of land.

Steps to Owning an Affordable Home

Affordable Housing Education

Attend a series of seminars and undergo intensive financial coaching, covering topics such as budgeting; credit cards and credit reports; debt and loans; saving; investing and planning for the future; managing emergency situations, and understanding the details of your Habitat homeowner mortgage.


Invest Your Time

Work at the construction site of your future home, where you’ll be supported by a team of dedicated volunteers and construction crew, and participate in a series of mandatory educational classes to learn about home ownership and effective money management.  All of this is designed to make you successful long-term.

When the Home Becomes Yours

At this time, you begin paying your mortgage and all home expenses. But if you partner with us, you’ll be ready because, along the way, we’ve worked together to ensure your success. There are never any surprises for Habitat homeowners – except maybe the feeling of joy and independence you and your family will feel in your new home.

Owning a home changes lives and makes families stronger. It can make yours stronger too.

What a House Can Mean to Your Family?

There are so many benefits of a Habitat for Humanity home. They are located in safe neighborhoods so your children can play freely outside. Most homes are new or fully remodeled, so you’ll find everything in working order when you move in. If your children have asthma or breathing problems, you may see health improvements with better air quality in the home. Every one of our houses passes inspection before it is sold.

But the greatest benefit of owning a home may extend beyond the four walls.

With more stability and fewer distractions from frequent moving, school and work performance may improve, leading to more and better opportunities. Kids who grow up in family-owned homes are more likely to become homeowners, learning needed skills and adopting a mindset of home ownership, which can carry through many generations, potentially changing the path of your children, grandchildren and their children.

What is Affordable Housing?

Housing is considered affordable when all home expenses, including electricity, water, insurance, etc., do not exceed 30 percent of the family’s total income. Anything more than that makes long term upkeep difficult and takes away from other essentials, like food. Habitat offers only affordable housing. Families are never paired with a home they cannot keep, meaning expenses must not exceed 30 percent of household income . That’s why we have a minimum income requirement. 

Do You Qualify?

To be eligible to purchase a home with Habitat for Humanity, you must meet three qualifications:

Download Qualification PDF Here


Steady Income

Habitat homes are purchased by the homeowner who is responsible for monthly mortgage payments. Each family must demonstrate steady income that qualifies them for the mortgage.

Need For Housing

You must be currently living in either substandard, transitional, hazardous, unaffordable and/or overcrowded housing. If this matches your present situation and you are considering first time home ownership, you may qualify for our low income homeownership program.


You must invest time and labor into building your Habitat home and the homes of other Habitat families. A designated number of hours is required. Affordable housing is a community solution. By becoming a Habitat homeowner, you are building a better life for you, your family and others who are also struggling to find a permanent and enjoyable place to live.

Have A Question About Home Ownership? Let Us Help.

If you think Habitat’s home ownership program might be the right step for you, but have questions or concerns, feel free to send us a message and we’ll return it as soon as we can.

When you’re ready to take the first step towards owning your own decent and affordable home, fill out the pre-qualification survey here. Please note that if you send us an email asking about how you can apply to the Habitat program, you will be redirected back to this website.

We are pledged to the letter and spirit of 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.

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