Homeownership

Habitat for Humanity Kingston Limestone Region mobilizes community members to build and renovate homes that are sold to qualifying families through an affordable mortgage program.

Habitat Homeownership Program Details

Zero down-payment requirement (purchasers are required to cover the closing costs)
Mortgage payments are set at 25% of the before-tax household income.
Access to learning about Habitat for Humanity, the mortgage, and other key aspects of homeownership.
Partnership mortgage agreement (shared equity)

The Application Process

Eligibility Criteria

Families should review the minimum eligibility requirements to ensure they are eligible to apply. The requirements evaluate the need for affordable housing, the ability to pay a mortgage, and the willingness to enter into a partnership with Habitat.

Expression of Interest

Completion of a short form provides Habitat with a high-level view of current housing need and financial standing. Within one or two weeks, Habitat will contact the applicant to relay feedback. If the application meets eligibility requirements, an invitation to submit a full application will be given. Habitat is open to sharing information with an applicant about their eligibility.

Supporting Documents

Eligible applicants will be required to submit supporting documents to confirm the information being provided. Once submitted, there will be a meeting with Habitat to complete the application form.

Application Review & Decision

This review takes between 2 to 4 weeks.

Pre-approval is based on the information submitted at the time of application. It means the family has demonstrated it meets all eligibility requirements. They will sign a pre-approved partnership agreement and begin their path to homeownership.