How does the program work? 

Habitat homeowner’s housing payments are kept affordable and set based on their income at the time of sale. At the time of sale, monthly mortgage payments are no more than 30% of the applicant’s household income. This monthly amount will include the primary mortgage payment, homeowners’ insurance, homeowner association dues and property taxes. Habitat for Humanity provides additional subsidies and/or a second mortgage to cover the difference between what the buyer can afford in a first mortgage and the sales price of the home.