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homeownership

We at Habitat for Humanity of Greater Pittsburgh understand that housing costs can be an immense burden for many. The process of purchasing a home and paying back a mortgage may seem overwhelming. We’re here to help. Habitat Pittsburgh provides local, limited-income families with the opportunity to own a decent home with an affordable, no-interest mortgage. Families in our program work side by side with volunteers to help build their home, and participate in financial literacy classes to help manage debt and budget for the future. Our program takes time and dedication, but we work side by side with you to make your dreams of owning a home a reality.

Applications Accepted: July 1, 2024 - July 31, 2024

why become a Habitat Pittsburgh homeowner?

Affordability

Think owning a home is too expensive? Think again. Habitat Pittsburgh homes are sold at a price based on your family’s size and income level. This helps to ensure that your monthly mortgage payments will be manageable. Payments range from $600 to $1,000 per month (including taxes and insurance), depending on the size and location of their home. 

Stability

You can provide your family with a safe, secure home environment. Better, affordable living conditions lead to improved health and stronger childhood development. Homeownership allows you to build wealth, invest in your future, and pass on a legacy to your children. 

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Education

As a part of our Homeownership Program, you will learn the skills needed to manage debt and budget for the future.

East Liberty Habitat Pittsurgh Homeowner

East Liberty Habitat Pittsburgh Homeowner

do you qualify for a Habitat Pittsburgh home?

To purchase a Habitat Pittsburgh home, you must meet these three qualifications:

steady source of income

Our program is a hand-up, not a hand-out. Habitat Pittsburgh homes are sold to families with an affordable, no-interest mortgage. Each family must demonstrate a steady income that is within our income guidelines.

current need for housing

We work to empower families to achieve decent shelter. Families must currently be living in substandard conditions. This may include your current residence having safety concerns, health risks, high crime, or being overcrowded. 

willing to partner with us

Families work hard to purchase their home. A family must be willing to work with Habitat Pittsburgh. This includes working alongside volunteers on Habitat Pittsburgh projects, and taking part in financial literacy classes to help manage debt and budget for the future. 

steps to becoming a homeowner

1.

You apply to Habitat Pittsburgh and demonstrate you and your family are currently living in substandard housing, have a steady income, and are willing to partner with us. Fill out the interest form below and we'll get back to you.

2.

We work with donors and sponsors who contribute financial resources which allow us to purchase the tools and materials necessary to build or rehabilitate a home. Then houses or empty lots are donated or purchased by Habitat Pittsburgh and construction begins.

3.

You help build your home alongside volunteers and Habitat Pittsburgh's construction team. Families must contribute 350 hours of "sweat equity," working on the home. This allows you to make a tangible investment and build pride in your future home.

4.

You also participate in Financial Literacy courses provided by Habitat Pittsburgh's staff and Advantage Credit Counseling. The knowledge gained will help you to manage any debt you may have while budgeting for the future.

5.

Upon completion of the program (which typically takes six months to a year) you will make an small downpayment of $950. You will then sign your affordable, 30-year, no-interest mortgage. You now own your home.

6.

You make timely monthly mortgage payments. These mortgages are invested in future Habitat Pittsburgh homeownership projects, meaning you help other families achieve the same dream. 

interested in applying?

Download and fill-out an application

Click the button below, download a copy.

Please note: Applications will be accepted between July 1, 2024 - July 31, 2024.

Submit your application and wait to hear back from us

Send your application to Habitat Pittsburgh's Homeowner Services Director who will followup with you as soon as possible.

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Emily Kammenzind, Vice President of Homeowner Services

Phone: 412-450-8520 ext. 101

Email: ekammenzind@pittsburghhabitat.org

Mail: 6435 Frankstown Ave. Suite 100

Pittsburgh, PA 15206

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin. 

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