How Habitat Works


What is Habitat for Humanity?

  • A nonprofit, Christian housing ministry that believes that every man, woman and child should have a decent, safe and affordable place to live.
  • We build and repair houses all over the world using volunteer labor and donations. 
  • Our partner families purchase these houses through no-profit, no-interest mortgage loans or innovative financing methods.

How does it work?

  • Through volunteer labor and donations.
  • Homeowners invest hundreds of hours of their own labor into building/renovating their Habitat house and the houses of others.
  • Habitat houses are sold to partner families at no profit and financed with affordable loans.
  • The homeowners’ monthly mortgage payments are used to build/renovate still more Habitat houses.

How do I apply for a Habitat for Humanity house?

How are families selected to participate in the Habitat Home Ownership Program?

  • Families in need of decent shelter attend a Home Ownership Information Session, during which information will be distributed on the process of the Program
  • 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 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.

How are donations distributed and used?

  • We rely on gifts from individuals, corporations and other groups to fund our house-building mission worldwide. All donations of any amount are deeply appreciated and help us build more decent, affordable houses with more families across the globe.  Donate Now »
  • Habitat’s most recent IRS 990 is available online.

How can I become a volunteer?

  • Visit the volunteer page to learn more about volunteering with Habitat.