Habitat for Humanity’s vision is a world where everyone has a decent place to live. This is how we do it:

Through volunteer labor and tax-deductible donations of money and materials, Habitat builds and rehabilitates simple, decent houses with the help of the homeowner (partner) families. Habitat houses are sold to partner families at no profit, financed with affordable, no-interest loans.

Homeownership Program Information

Through volunteer labor and tax-deductible donations of money and materials, Habitat builds and rehabilitates simple, decent houses with the help of the homeowner (partner) families. Habitat houses are sold to partner families at no profit, financed with affordable, no-interest loans.

Apply for the program here

Who Do We Serve?

Habitat partners with people who meet three basic criteria:

  • Need: Applicants will be eligible for our program if they are currently living in conditions that are not adequate based on size, structural condition, or safety concerns. Applicants will also be considered eligible if they are currently spending more than 50% of their gross income for rent. Applicants must not be eligible for traditional mortgage programs.
  • Ability to Pay: Applicants must have a steady income to pay their mortgage. We serve people whose income is between 30% to 60% of the Greater Lycoming County Area’s median income.
  • Willingness to Partner: Applicants must agree to work 250 sweat equity hours per adult in the household (18 years old and older). The maximum hours for a household are 500. Partner families are also responsible for a $1,000 down payment. Some workshops/classes are required, including a financial management/budgeting class.