Niagara Area Habitat for Humanity makes homeownership possible for local families. Since 1993, we have helped 29 families in achieving their dream of homeownership. Families in Niagara Area Habitat's homebuyer program are able to purchase a decent, safe, affordable home. This is attainable for low-income families because Niagara Area Habitat subsidizes the cost of the house through grants, donations, and volunteer labor. The homebuyer repays an low-interest, 30-year mortgage, which supports the Fund for Humanity, a revolving account used to build additional homes
We give a hand up, not a hand out. Working closely with families in our homebuyer program, we help to prepare them for the challenges that go along with owning a house. Families are required to complete 500 hours of “sweat equity”, a term used to describe the work completed by future homeowners towards the construction and purchase of their homes. Families help to build their house, and must also attend budgeting and first-time homebuyer classes.