Becoming a Homeowner

What is so important about a Habitat home?

In contributing to the building of their own and other homes, Habitat homeowners gain a sense of hope and pride. They become financially, socially, and emotionally invested in themselves and their communities.

How do I get a Habitat home?

To qualify for a Habitat home, you must show:

  • Need for adequate shelter
  • Willingness to Partner
  • Ability to pay


What is required of Habitat homeowners?

Upon approval, families agree to invest, depending on family size, 250-350 hours in sweat equity by house-building, volunteering and training, prior to moving into their new home. Training includes budgeting, financial literacy, homeownership and maintenance. Habitat Partner Families pay closing costs and purchase their finished home through an interest-free, no-profit mortgage. Habitat also requires on-time payment and regular upkeep!


What is the application process?

Families must complete a full application with interviews, including a description of their current living situation and why they are seeking assistance from Habitat. Our partner families are chosen after a careful review process during which we assess their need for housing, their ability to repay a zero-interest, no-profit mortgage, and their willingness to partner with Habitat through sweat equity.


Click HERE to download a copy of the application.

Habitat provides "a hand up, not a hand out". Because Scioto County Habitat for Humanity holds and services these mortgages, we have a long-term relationship with our homeowners and the communities in which they live