Homeownership

Habitat For Humanity

Have you ever dreamed of owning your own home?

We are currently accepting applications

for our homeownership program

from June 1st - July 30th!

 
At this time we are only seeking families in which a member is a Veteran or lives with a disability.
 
Habitat for Humanity of Greater Pittsburgh provides decent, affordable homes to low-income families living in substandard housing conditions. Program participants work alongside Habitat staff and volunteers to build or rehabilitate their future home and then purchase it from Habitat Pittsburgh through an interest-free 30 year mortgage.
 
Habitat Pittsburgh earns no profit from interest or fees. Because of this, homeowners have low monthly mortgage payments and, over the life of their loan, usually save tens of thousands of dollars in unpaid interest. No down-payment on a Habitat home is necessary; Partner Families only pay $950 at closing to help purchase their first year of homeowner’s insurance. As an additional service, Habitat Pittsburgh provides all our Partner Families with homeowner education and financial literacy classes to ensure they are prepared to be successful in their homes for the long-term.
 
*If you are facing an immediate housing crisis: Please note that the process of partnering with Habitat takes time; usually between six months to one year. If you are currently facing a housing emergency and have an immediate need for shelter, please contact the United Way of Allegheny County at 412-255-1155.
Do I Qualify?

There are three basic criteria to qualify for a Habitat home:

1. You are currently living in substandard housing - Families looking to partner with Habitat Pittsburgh must demonstrate a need for affordable housing – defined as currently living in housing that is unsafe, unhealthy, overpriced, overcrowded, or inadequate for some other reason.
 
2. You can afford to pay back Habitat Pittsburgh’s interest-free mortgage - Habitat Pittsburgh is a "hand-up," not a "hand-out." Partner Families purchase their homes from Habitat and make a regular monthly mortgage payment. This payment is usually between $450 and $750 per month (including taxes and insurance), depending on the size and location of the house.
 
Eligible families earn enough to afford a Habitat mortgage, but not enough to obtain a mortgage through a bank. You can use the chart below to see if you qualify. Your income can be from a job, public assistance or any other source, but it must be an ongoing and stable source of income for it to count.
 
Household Size
MINIMUM Gross Annual Income
MAXIMUM Gross Annual Income
One
$17,878
$30,492
Two
$20,328
$34,848
Three
$22,869
$39,204
Four
$25,410
$43,560
Five
$27,443
$47,045
Six
$29,476
$40,530
Seven
$31,508
$54,014
Eight
$33,541
$57,499
 
These guidelines are derived from HUD’s 2017 housing income guidelines for Pittsburgh’s Metropolitan Statistical Area (median income = $72,600) and are subject to change. EXAMPLE: If there are four persons in your household with a combined income of $32,550 per year, you may qualify. 
 
You must have a satisfactory credit history, but your credit does NOT need to be perfect. Before approving you to purchase a home, Habitat Pittsburgh will check to make sure that your recurring monthly debt payments, including your mortgage, do not exceed 41% of your monthly income. Recurring debt includes car payments, credit card payments, personal loans, and student loans. (It does NOT include utility bills).
 
3. You are willing to partner with Habitat Pittsburgh - Partner Families are active participants in the construction or rehabilitation of their home. To qualify, your family must be willing to complete a minimum of 350 hours of “sweat equity” – time instead of cash – working on your home, the homes of other Habitat Pittsburgh families, and other approved types of community service. Your family must also be willing to embrace and participate in all forms of media, as their coverage is critical to securing the funding needed for Habitat Pittsburgh homes. An example of this is having an article written about your family for a newspaper, or giving an interview to a member of the television media.
 
Here is a copy of our homeonwership application. 2017 Habitat for Humanity - Application for Homeownership
 
Please contact Family Services Manager, Michelle Morgan, at 1-866-NEW-HOME, ext 10 or mmorgan@pittsburghhabitat.org prior to filling out your application or with questions about our program.

 


 EqualOppor.png

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. 

Upcoming Events

Habitat For Humanity

Our Mission

is to eliminate substandard housing in Allegheny County by bringing people together to build, rehabilitate, and repair homes, communities, and hope.