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Provides low-income first-time homebuyers the chance to own their own home at an affordable cost. We offer two self-help (sweat equity) models to help low-income families fulfill their dream of owning their own home. This program offers families a way to purchase their own home by providing some of the sweat equity to reduce the cost of the home. We offer two different pathways to homeownership: Mutual Self-Help and Individual Self-Help. The Mutual Self-Help program requires that families sign a group labor agreement to contribute at least 30 hours per week of sweat equity and to work together with other families in the group (typically 6-10 families) to complete their homes as well. CCHS provides the technical assistance to teach families how to build their own home. This program builds community while also building homes. The contribution of sweat equity substantially lowers the cost to build a home and helps families build assets. Individual Self-Help program requires families contribute 250 hours of sweat equity in exchange for credit at closing which is intended to cover closing costs for the purchase of the home. Mortgage financing through the program may be through a combination of first-time homebuyer loan products and down payment assistance to families. Our Homeownership program works seamlessly with our Housing Counseling program to help families interested in homeownership to become pre-qualified first-time homebuyers for loan. The program helps educate families in all aspects of process including such as credit repair, financial literacy, budgeting, mortgage affordability, and home maintenance.

Partners with low-income families and individuals living in substandard housing to build decent, affordable housing. HC's housing and repair programs involve an application process. Note: not all applications are guaranteed to be accepted &/or approved. Once qualified and accepted into the program, potential homeowners will help build their homes alongside Habitat staff and volunteers. Upon completion, the potential homeowner then purchases the home with a lower-interest loan through a gov't or other entity. Currently building in Port Angeles—through 2026. Habitat Clallam will also begin a multi-year build in Carlsborg, WA in late 2025-early 2026.

Helps low-income individuals and families attain homeownership through an affordable mortgage program. New houses are built with as much volunteer labor and donated resources as possible. Participants contribute "sweat equity" throughout the building process. Once the home is complete, they are sold at a reduced price to carefully screened households who pay a reduced interest mortgage.

Provides an opportunity for families to build and buy their own homes. The houses are sold at no profit to homeowner families, who provide sweat equity labor to help build the houses. Also, offers a repair program for those in the 20-60% average medium income to helps with health and safety related repairs like roofs, ramps, ADA, leaking pipes, etc.

Helps low-income individuals and families attain homeownership. New houses are built through contributions and volunteer labor and are then sold at cost to carefully screened families who pay an interest-free mortgage. Builds 1-3 homes and rehabilitates 6-15 homes annually, on average. Volunteer opportunities available.

Partners with low-income families and individuals living in substandard housing to build decent, affordable housing. HC's housing and repair programs involve an application process. Note: not all applications are guaranteed to be accepted &/or approved. Once qualified and accepted into the program, potential homeowners will help build their homes alongside Habitat staff and volunteers. Upon completion, the potential homeowner then purchases the home with a lower-interest loan through a gov't or other entity. Currently building in Port Angeles—through 2026. Habitat Clallam will also begin a multi-year build in Carlsborg, WA in late 2025-early 2026.

Provides assistance to qualified families who wish to build their own homes in cooperative groups. Construction supervisors provide training and supervision. Once the house is finished, families will be responsible for the mortgage of about $300,000. Homes typically have three or four bedrooms, a two-car garage, and are 1,200–1,500 square feet.

Habitat's goal is to end substandard housing. This is accomplished by building houses with donated funds and volunteer labor. Sells the homes at cost with no-interest mortgages to families who are qualified for the program and who have earned or completed their sweat equity. Principle payments are used to build more homes.  The process starts and ends with families.  The family selection committee works hard to select families that have a demonstrated need, ability to pay back the no interest loan, and a willingness to partner back with Habitat and the community.  Once a family is selected, a family support committee assists the family throughout the building process and the duration of the loan, which may be 30 years.  The building committee builds the house with input from the family. Donated materials and volunteer labor along with the no-interest loan make a quality house very affordable.  Habitat can build a $175,000 home for about $125,000 by donations of time and money. Mortgage payments are usually $600 per month or less, affordable even for a family living off a minimum wage.

Families are selected based on need, ability to pay, and willingness to partner. Habitat families will earn their required sweat equity hours working alongside construction volunteers from their community. The house is sold to the family through an affordable mortgage.  From the time a family is selected to the time the project is completed, it is projected to take 6-24 months.

Our goal is to end substandard housing. We accomplish this by building houses with donated funds and volunteer labor. We sell the homes at fair market value with an affordable mortgage to families who are qualified for the program and who have earned or completed their sweat equity. Principle payments are used to build more homes.  Our process starts and ends with families.  Our family selection committee works hard to select families that have a demonstrated need, ability to pay back the affordable mortgage, and a willingness to partner with Habitat and the community.  This search is perhaps the most important thing we do, and is rigorous and complete.  Once a family is selected, we have a family support committee that assists the family throughout the building process and the duration of the loan, which may be 30 years.  Our Building committee builds the house with input from the family. Donated materials and volunteer labor along with the low-interest loan make a quality house very affordable.

Assists qualifying families in building or repairing homes through a volunteer organization. The process includes a credit check and meeting income guidelines. An agreement is made to help build or repair the applicant's home as well as other Habitat homes.

Offers an opportunity for low-income households to become homeowners.  This includes families, single parents, and individuals. Groups of 5-10 households work each week until a home is completed for each family in the group.  Work is done under the direction of a construction supervisor provided by Housing Hope.

Builds simple, decent houses with the help of the homeowners families through volunteer labor and donations of money and materials. Habitat houses are sold to partner families at no profit and financed with affordable loans. The homeowners' monthly mortgage payments are used to build more Habitat houses. In addition to a down payment and the monthly mortgage payments, homeowners invest hundreds of hours of their own labor - sweat equity - into building their Habitat house and the houses of others.

With cooperation from people from all walks of life, Habitat for Humanity of Kitsap County partners with families in need to build and own decent and affordable homes in safe communities. Habitat selects homeowner-partners based on their ability to pay an affordable mortgage, the need for adequate shelter; and their willingness to partner with Habitat for Humanity. Habitat does not discriminate in the selection of homeowner-partners on the basis of race, creed, gender, disability, ethnic background, or any other characteristic protected by law.

South Puget Sound Habitat for Humanity creates affordable homeownership opportunities for qualified homebuyers. Once accepted into the program, homebuyers prepare for homeownership through: -Education classes -Guidance meetings -Helping to build their homes At the end of the program, homebuyers purchase their new, energy efficient homes with an affordable mortgage. From application to move-in takes about one year.

Allows income eligible applicants the opportunity to own their own home by participating in groups of 8 to 12 to build each others homes with lots of help and training from Housing Kitsap. Mortgage (principal and interest) payments are based on your income, not the current market interest rate, and therefore are generally more affordable for families and individuals with income at or below 80% of the county median income as determined by HUD.

Provides a program where individuals can purchase a home in need of repairs at below market value and fix it with assistance from the agency. Each borrower is required to work a minimum of 50 hours on the home during the resource process. Assistance is dependent upon available funding and there is currently a waitlist for services.

Offers loans for low-income homeowners to purchase, build (including sites, water, and sewer), repair, move, or modernize their dwellings.  Includes sweat-equity construction loan programs, guaranteed loans, and rural site housing programs.   Rural Housing Guaranteed Loan Applicants for loans may have an income of up to 115% of the median income for the area. Families must be without adequate housing, but be able to afford the mortgage payments, including taxes and insurance. In addition, applicants must have reasonable credit histories.    Rural Housing Direct Loan Section 502 loans are primarily used to help low-income individuals or households purchase homes in rural areas. Funds can be used to acquire, build (including funds to purchase and prepare sites and to provide water and sewage facilities), repair, renovate or relocate a home.     Mutual Self-Help Loans The Section 502 Mutual Self-Help Housing Loan program is used primarily to help very low- and low-income households construct their own homes. The program is targeted to families who are unable to buy clean, safe housing through conventional methods. Families participating in a mutual self-help project perform approximately 65 percent of the construction labor on each other's homes under qualified supervision. The savings from the reduction in labor costs allows otherwise ineligible families to own their homes. If families cannot meet their mortgage payments during the construction phase, the funds for these payments can be included in the loan.

Provides affordable rental-housing program for eligible low-income families, the elderly, and persons with disabilities.  Also offers sweat-equity, home ownership down payment grants, financial independence programs, and deposit assistance.

Volunteers build houses for low-income families who have been chosen on the basis of need for adequate shelter.  Selected families must contribute 500 hours of sweat equity on the construction of the house which is then sold to them through a no profit, no interest mortgage.  The length of time between when a family is selected, to the time the project is completed, can be as long as one and 1/2 years. Provides limited help for home repairs if the homeowner can contribute Sweat Equity hours representative of the size of the project.

Volunteers build houses with low-income families who have been chosen on the basis of need for adequate shelter.  Selected families must contribute 500 hours of sweat equity on the construction of the house which is then sold to them through a no profit, no interest mortgage.  From the time a family is selected, to the time the project is completed, can be as long as one and 1/2 years.  Do not need to be a citizen to apply but must be in country legally.

Works in partnership with people to build decent, affordable housing. The houses are sold to low-income, qualified applicants with a low interest loan. All applicants complete 500 hours of sweat equity.

Helps construct homes for low income families that are able and willing to put time and labor into building their own home. Works with seniors, veterans, and low-income individuals and families to provide needed repairs or improvements to ensure safety within the home.

Habitat for Humanity Spokane partners with individuals and families in need of a safe affordable place to call home.

Provides an opportunity for families to build and buy their own homes. The houses are built with volunteer labor and donated materials and are then sold at no profit to homeowner families. Please note that this agency does not provide immediate/emergency housing. This is a long-term housing program.