Frequently Asked Questions

WHAT IS HABITAT FOR HUMANITY?

Habitat for Humanity International is a nonprofit, ecumenical Christian housing ministry. HFHI seeks to eliminate poverty housing and homelessness from the world, and to make decent shelter a matter of conscience and action. Habitat invites people of all backgrounds, races and religions to build houses together in partnership with families in need. Habitat has built more than 150,000 houses around the world, providing more than 750,000 people in more than 3,000 communities with safe, decent, affordable shelter. HFHI was founded in 1976 by Millard Fuller along with his wife Linda.

HOW DOES IT WORK?

Through volunteer labor and donations of money and materials, Habitat builds and rehabilitates simple, decent houses with the help of the homeowner (partner) families. Habitat houses are sold to partner families at no profit, financed with affordable, no-interest loans. The homeowners' monthly mortgage payments are used to build still more Habitat houses. Habitat is not a giveaway program. In addition to a down payment and the monthly mortgage payments, homeowners invest hundreds of hours of their own labor -- sweat equity -- into building their Habitat house and the houses of others.

WHAT DOES A HABITAT HOUSE COST?

Throughout the world, the cost of houses varies from as little as $800 in some developing countries to an average of $46,600 in the United States. Habitat houses are affordable for low-income families because there is no profit included in the sale price and no interest charged on the mortgage. Mortgage length varies from seven to 30 years.

WHAT IS "SWEAT EQUITY"?

Homeowners invest hundreds of hours of their own labor - "sweat equity" - into building their Habitat house and the houses of others. Sweat equity reduces the monetary cost of the house, increases the personal stake of the family members in their house, and fosters the development of partnerships with other people in the community. The amount and type of sweat equity required of each partner family vary from affiliate to affiliate; 300 to 500 hours per family is common. How Are Partner Families Selected? Families in need of decent shelter apply to local Habitat affiliates. The affiliate's family selection committee chooses homeowners based on their level of need, their willingness to become partners in the program and their ability to repay the no-interest loan. Every affiliate follows a nondiscriminatory policy of family selection. Neither race nor religion is a factor in choosing the families who receive Habitat houses. If your family, or a family you know, is in need of decent, affordable housing, contact the Habitat affiliate nearest you. If you're not sure where a local Habitat affiliate might be, use our search engine to find the names and phone numbers of affiliates in your area, or contact the Habitat help line at (800)422-4828, ext. 2551 or 2552. Your local affiliate can give you information on the availability, size, costs and sweat-equity requirements for Habitat houses in your area, as well as information on the application process.