home ownership

Helping low-income families in the GTA to build a better life through affordable homeownership.

what it means to partner with us

Do you dream of owning your own home, but despite all your efforts, are having trouble saving enough for a down payment and don’t qualify for a conventional mortgage? Habitat for Humanity GTA may be able to help.

Since 1988, we have partnered with working, low-income families living in the GTA to help them build and buy their own decent, affordable home through a unique affordable homeownership solution. Learn about the steps to homeownership and find out if you qualify.

steps to apply for homeownership


who qualifies for affordable homeownership?

introduction to ownership criteria

current residence

Families currently living or working for a minimum of one (1) year in the specific region in which they wish to apply for homeownership.

need for affordable housing

Habitat for Humanity GTA homeowners are selected, in large part, based on their level of need. Families will be considered for a Habitat home if their present housing is not adequate and if they are unable to afford adequate housing through other conventional means.

ability to pay a Habitat mortgage

Habitat for Humanity GTA does not give homes away for free. Families must have a reliable source of income and demonstrate their ability to pay a mortgage back to Habitat for Humanity GTA over a 20-year period.

willingness to partner with Habitat for Humanity

Each family selected for homeownership with Habitat for Humanity GTA becomes a partner with us in the journey toward affordable homeownership. Habitat families are considered our greatest ambassadors and as such are asked to help us with a variety of initiatives that advance our mission.

our homeownership locations

  • Toronto

  • There are no builds currently accepting applications. Check back soon for future homeownership opportunities.
  • Brampton Caledon

  • There are a number of home builds currently accepting applications for homeownership in this area.

  • Get more information about our current available home builds.

  • York Region

  • There are a number of home builds currently accepting applications for homeownership in this area.