How Habitat for Humanity Works

Stability and self-reliance are obtainable, not merely aspirational

Houses are not given away.

​Habitat for Humanity offers a hand-up, not a handout. 

Habitat home buyers build their homes alongside volunteers, complete education classes, and pay an affordable mortgage. With your help, those home buyers are empowered, confident, and determined to achieve independence to build a better life for themselves and their families for multiple generations. Homeowners can save more, invest in education, pursue opportunities, and have more financial stability.

Home buyer applicants undergo a thorough vetting process, including personal interviews and background checks, and qualify based on three criteria: (1) need for quality, affordable housing; (2) willingness to partner with Habitat Birmingham (minimum 250 “sweat equity” hours and 10 home buyer education workshops); and, (3) ability to repay a zero-interest mortgage and make down payment.​

Homeowner education is a crucial component of long-term, successful home ownership. Potential home buyers complete 10 education classes about home ownership in a classroom setting, including budgeting, fire prevention, homeowner insurance, mortgage contracts, and more. Plus, home buyers participate in hands-on training in a classroom setting and on the construction site to avoid making a service call for a minor home repair.