Homes and Families
Through volunteer labor and donations of money and materials, Habitat builds and rehabilitates safe, decent, affordable homes with the help of our partner families. Habitat homes are sold to partner families at no profit. Homes are affordable for partner families with a low interest loan. Homeowners pay monthly mortgage payments to Habitat and then those payments are used to build more Habitat houses.
In addition to a down payment and the monthly mortgage payments, families invest their own labor — sweat equity — into building their Habitat house. Families are required to put in between in 325 and 375 sweat equity hours. Each family must also attend educational courses on how to maintain a home, landscaping, budgeting, how to be a good neighbor and insurance.
The combination of holding down construction expense with volunteer labor and low interest on a mortgage is what makes a Habitat home affordable. Including property taxes and insurance, the Habitat homeowner’s monthly mortgage payment is no more than 28-30 percent of their gross income.
Habitat for Humanity of Dane County also provides a home repair program to help homeowners struggling to maintain their home. Habitat Home Repair repairs homes in partnership with qualified, low-income homeowners, and a low-interest loan is provided to qualified families to cover the cost of larger repair projects.