Becoming a Homeowner

We do not give houses away.  Habitat for Humanity of Anderson County works in partnership with low and very-low income families and individuals in need of simple, decent, and affordable housing.  Through our homeownership program, we provide zero-interest mortgages, homeownership training, and support to ensure Habitat homeowners succeed in homeownership.

The total cost to place a family into a Habitat house is roughly $87,000.  This includes land, materials, supervision, and closing costs.  With the financial support and volunteer labor from our community, we are able to keep costs as low as possible for our home buyers.

Future homeowners must put in at least 400 hours of “sweat equity” labor by helping to build their own home and working on other Habitat projects.  A $1,200 down payment is also required, which can be paid in installments before construction begins.  After construction is completed, houses are sold to partnering homeowners, with zero-interest mortgages spread out over 20 – 30 years in order for the payments, including taxes and insurance, to remain affordable.  Their monthly payments are used to help build additional Habitat houses in Anderson County.

Geneva Booker (center) nails the first starter strip in place on her house at the Construction Dedication, with the help of Habitat volunteers Wes Delaney and John Caton.