Home Ownership

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The Greater Erie Area Habitat for Humanity builds homes in partnership with qualifying applicant families and the community and then sells the homes at no profit with 0% interest mortgages.

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There are three main requirements that a partner family must meet:

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1. Ability to Pay: Meet the income guidelines based on family size and meet the debt-to-income ratios

2. Willingness to Partner: Complete a minimum of 300 hours of sweat equity, meet monthly with a family partner and budget coach.

3. Housing Need: During the application process, our Family Selection Committee will visit applicant families in their homes and determine the need for housing. Need can include overcrowding, physical/structure deficiencies, and/or cost burden.

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Habitat is completing five houses for families in our program through June 2028.

Thus, our next homeowner application session will be in mid-2027. Those houses will be built from June 2028 onward.

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