How does the program work? 

Habitat homeowner’s housing payments are kept affordable and set based on their income at the time of sale. It is typically with a term of up to 30 years.  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 mortgages to cover the difference between what the buyer can afford in a first mortgage and the sales price of the home.