Home Ownership

Affordable homeownership changes everything. Find out if Habitat is right for your family.

Habitat for Humanity Huron County Homeownership Program

The Homeownership Program is an opportunity for families in need of decent and affordable housing to purchase a new house in Huron County. A down-payment is not normally required, the mortgage principal is interest-free and payments to cover house insurance plus property taxes plus mortgage are calculated at 30% of income. Families must be willing to support Habitat Huron County with 500 Partnership Volunteer Hours.

Becoming a Habitat homeowner is hard work, but it's worth it. According to a survey of Habitat homeowners, Habitat for Humanity families are more physically active, more involved in their community and their kids are more likely to pursue post-secondary education. Habitat homeowners are also more financially secure, building their own strength, stability and self-reliance through affordable homeownership.

How It Works

Partner with us

Families apply, selected on need, willingness, ability to pay.

Build Together

Sweat equity hours, helping build their own home.

Move In

No down payment, 0% interest, 30% of income.

Build the Future

As the family pays their mortgage, that money goes into the Build Fund to support future builds.

Our Vision

A world where everyone has a safe, decent, and affordable place to live.

Who Qualifies

Habitat Huron County builds within the county boundaries — Exeter, Wingham, Seaforth, Goderich, Clinton, Brussels, and Hensall. Families must have lived in or worked in Huron County a minimum of two years and be a Canadian Citizen or Landed Immigrant.

Families are selected by an independent committee based on three criteria:

1. Need

Do you currently spend more than 30% of your income on rent? Is your housing adequate for your needs — safe, secure, and well maintained?

2. Ability to Repay a Mortgage

Do you have a reliable income where you can pay house insurance, property taxes, and something towards the mortgage principal?

3. Willingness to Partner with Habitat

Are you able to contribute 500 Partnership Hours?

What homeownership looks like with Habitat:

A down payment is not normally required
The mortgage principal is interest-free
Payments covering house insurance, property taxes, and mortgage are calculated at 30% of income
Families must contribute 500 Partnership Volunteer Hours

Interested in Homeownership?

If you or someone you know might qualify, we'd love to hear from you. Reach out to learn more about the process and how to get started.