Own a home

habitat house

Habitat for Humanity builds simple, decent, affordable homes for qualified low-income families in Whatcom County.

The First Mortgage amount is based on cost with no profit added! We also finance the loans on our homes at 0%. As Habitat homeowners pay no interest on their monthly mortgage payments, owning a Habitat home is often less expensive than renting a house or even an apartment! Habitat homeowners are building wealth and financial security for a better future.

Habitat is not an immediate housing solution. If you qualify for our homeownership program, it may take a year or more from the time you qualify to the time your house is complete.


USWI-13-01180-JA.jpgTo qualify for our program, you must have lived in Whatcom County and in substandard conditions for the last year and be considered low-income. You must earn more than 30% and less than 60% of area median income for a family of your size. (See the Income Eligibility Guidelines chart.) You must also meet these requirements:

  1. You must be living in substandard or unsafe conditions. There are five different circumstances that Habitat calls “substandard” or “unsafe.” To qualify you must meet one or more of them. They are structural problems, overcrowding, cost burden (paying more than 50% of your income to housing), dangerous neighborhood, and transitional housing. Please review the Home Ownership Application provided with the Preliminary Application to learn more about specific examples of substandard or unsafe conditions.
  2.  You must have the ability to make monthly payments on your Habitat Home and have good credit.  Habitat for Humanity sells homes at cost to approved applicants.  The average range of costs in 2015 is between $125,000 and $175,000.  This means your monthly mortgage payment should range between $350 and $500 per month, plus taxes and insurance.
  3. You must show a willingness to partner.  Future homeowners are asked to complete 500 hours of sweat equity before purchasing their home. We ask that our homebuyers demonstrate effort and good faith in their dealings with Habitat for Humanity in Whatcom County.

All decisions are made by our Homebuyer Selection Committee, all of whom are volunteers.

formsApply for a Habitat Home!

Please complete and submit a New Home Preliminary Application to get the process formally started.

You may return your completed application to us by mail, email or in person.