Habitat homes are not free. Approved applicants purchase their home through an affordable mortgage designed to keep housing costs manageable over the long term. 

The program is for households who need safe, stable, and affordable housing, are priced out of the private market, have steady income, and are willing to partner with Habitat before and after move-in. 

No. Applicants must have income. Habitat partners with working households who can afford an affordable mortgage but cannot access traditional market housing. 

Affordability is based on household income, existing financial obligations, and affordable housing guidelines—typically around 30% of gross household income. 

No. Habitat does not require perfect credit. Credit history is reviewed to understand financial readiness and support long-term success, not to automatically disqualify applicants. 

No. Many applicants have imperfect credit. Habitat looks at overall financial responsibility, manageable debt, and willingness to participate in financial education. 

Mortgage terms are structured to remain affordable. In many cases, mortgages are interest-free with no down payment, depending on the specific program. All details are reviewed with approved applicants. 

No. Financial review occurs during the application and preparation phases. After move-in, homeowners manage their finances independently, like any other homeowner. 

Yes. Habitat homeowners take full legal ownership of their home. 

Yes. Habitat for Humanity Kingston Limestone Region holds a first right of refusal, meaning Habitat has the first opportunity to repurchase the home if you choose to sell. 

This helps preserve long-term affordability, protect the purpose of the program, and allow Habitat to partner with future families. 

No. As long as mortgage and program obligations are met, Habitat cannot take the home. The first right of refusal only applies if you decide to sell. 

Approved applicants commit to volunteering, attending homeownership and financial education sessions, and actively participating in the program before move-in. 

No. Volunteer hours may include construction (if able), ReStore support, administrative work, or other approved activities. Opportunities are adapted to individual abilities. 

No. After move-in, homeowners continue the partnership by making regular mortgage payments, maintaining their home, and communicating with Habitat if challenges arise. Mortgage payments help support future Habitat families. 

No. Meeting eligibility requirements does not guarantee selection. Availability depends on housing supply, program capacity, and alignment with Habitat’s selection criteria. 

Selection follows a structured, transparent process based on housing need, ability to pay, and willingness to partner. 

Applicants may be asked to provide documentation related to income and employment, housing costs, assets and savings, debts, and credit history (with consent).