homeownership

Factors to consider:

• All family members must be Canadian citizens or permanent residents of Canada.

Factors to consider:

• Current living conditions are overcrowded, unsafe or unhealthy (e.g. inadequate structure, unsafe wiring, heating, air quality, water, poor sanitation, etc.)
• Current housing costs are too high (e.g. basic shelter costs are more than 30% of total family income)
• Barriers exist for physically challenged family members
• Have at least one child under age 16 living in your home

Factors to consider:

• There is no down payment required on a Habitat home.
• Your monthly mortgage payments are interest free (0% interest) and payments are never more than 30% of your total family income.
• Applicants will be asked to submit a current credit reference check that shows a good credit history, as well as other required documentation from employers, landlords, banks and credit lenders to confirm reliability of income.
• Employment Insurance (EI) or Ontario Works (OW) are not acceptable sources of income
• Applicants must not have large debt.
• Total family income must not be more than the affordability income ranges identified by Habitat for Humanity GTA

Take the homeownership eligibility questionnaire

Each family is asked to fulfill the following partnership requirements:

• Contribute a minimum of 500 hours of volunteer ‘sweat equity’ toward the construction of their own home or a variety of other Habitat projects
• Commit to a homeownership and mortgage agreement with Habitat for Humanity GTA
• Be an ambassador for Habitat for Humanity GTA and represent the mission (e.g. speak about your experience with Habitat for Humanity GTA at events, in media interviews or in videos to help promote our organization’s work to other families, donors and volunteers.)
• Attend Homeowner Education workshops to learn about the responsibilities of homeownership
• Adult members of the household must submit a criminal reference check prior to acceptance into the program