Frequently Asked Questions
How long will the program take?
Most partner families complete the program in 15-18 months. It is possible to finish sweat equity requirements in as few as 6 months, however, the lot selection and home construction processes will take additional time. Partnership can extend to 2 years or longer depending on your circumstances.
Do I get a house for free?
Habitat homes are not sold for profit. All successful partner families purchase a house from Habitat by making monthly payments on a no-interest mortgage including escrow for taxes and insurance. Each family's no-interest mortgage payment goes into our revolving fund, which pays for the construction of homes for future partner families.
How do I complete my sweat equity requirement if I am disabled?
Habitat can accommodate many levels of ability at our build sites. A few of our homeowners have swung hammers from a wheelchair! If your disability prevents you from being on-site, we will work with you to find suitable sweat equity alternatives.
Why do you have income requirements?
Ability to pay is an important factor in our selection process. You must be able to document that you have the financial resources to pay your mortgage. We serve families at 30-60% of Montgomery County's median income with adjustments for family size. If your income is higher, there are other homeownership options in the community for you.
What kinds of income are considered?
We consider wages (employed 6 months or more), Social Security and other pensions, SSI, SSD, child support, food stamps, and several other forms of government support. Income must be documented, regular, and verifiable to be considered. Odd jobs or payment in cash with no supporting documents cannot be accepted.
Do houses come with basements and/or garages?
Dayton Habitat builds/rehabs simple, decent, and affordable housing. Unless required by city ordinance for new construction or already included in a rehab property, Habitat does not include these features.
Will you run a credit check?
Yes. Credit reports offer a good look at your credit history and help us determine your debt-to-income ratio, which will affect your ability to pay. Bad credit does not necessarily disqualify you from partnership. If selected, you will be required, however, to attend credit counseling and work toward repairing any credit issues.
I am a renter and my landlord can't afford to repair my apartment. OR I am a homeowner already and cannot afford to repair my house. Can you assist me?
Dayton Habitat does not offer financing for home repair. Please call United Way's HelpLink™ 211, to find community resources that can help.
I need immediate housing assistance and/or do not qualify for the Habitat program. Can you assist me?
Please call United Way's HelpLink™ 211, to find community resources that can help.
