Habitat Home
Partnership
Program
Home Ownership
No matter who we are or where we come from, we all should have the opportunity to have a decent life.
Currently, we do not have an open application window for the application process, but please check back later this year for our new home build planned for Torrington.
Habitat Home Partnership Program. It's a hand up, not a hand out.
Do you want to improve living conditions for your family? Would you rather own a home, instead of renting?
Is qualifying to buy your own home a problem? Would a no-interest mortgage with affordable payments solve the problem?
Are you willing to partner with Habitat for Humanity of Northwest Connecticut by investing some of your time to make your dreams come true?
You Might Be a Perfect Candidate to be a Habitat Partner
Affordable Home Ownership: Habitat’s unique affordability formula means you can own a home for ‘much less than normal’!
Building materials: We thank local building suppliers for offering us special discounts, and contractors, businesses and neighbors, for donations of high-quality building materials.
Sweat equity and volunteer labor: Every Habitat homeowner dedicates at least 400 hours of labor to Habitat for a newly constructed home (200 hours for a home rehabilitation). You are backed up by a professional site manager, and skilled trades, many of whom donate their expertise and use of specialized tools. Dozens of building volunteers round out the picture.
Zero-interest mortgage: The biggest part of the Habitat affordability formula. Because 100% of your Habitat mortgage principal payment goes to paying off your loan, mortgage payments can be half as much as they would be for a normal, interest-bearing loan.
Lower property taxes: Habitat retains title to the land, further reducing the monthly payment since you pay property taxes only on the improvements.
We also give you access to financial literacy training and home maintenance resources to help you navigate the obstacles of home ownership.
Could you be the next Habitat Partner?
Does this describe you?
You have a housing problem, which you can not solve on your income. Perhaps you are squeezing three into one small bedroom. Or your rental unit has poor insulation, serious mold, or a heating system that is giving up. Habitat can help if your family earns less than 60% of the median income for Litchfield County for a family of your size. In 2021 that means the approximate income limits, for families of 2-4, are $49,440 to $61,740.
You can afford approximately $800 – $1,000 per month for a Habitat mortgage, including insurance and property taxes. (Heat and other utility costs are not included in this figure and would be your responsibility).
You’re ready and able to partner with Habitat to get your home built. Each Habitat household commits at least 400 hours of labor to the Habitat program including 100 hours of construction activities on your own home (in the case of a home rehabilitation, the hours required are 200 in total and 100 hours of construction activity). You can also earn sweat equity in other ways, such as working on fundraising events or at other Habitat community activities.
You live, work, or have another close connections to Canaan, Cornwall, Falls Village, Norfolk, North Canaan, Salisbury, Torrington or Sharon.
You fall within these income limits based on the number of people in your family:
2021 Income Limits for Litchfield County (60% of AMI)
1 Person Family | $43,260 Maximum Income
2 Person Family | $49,440 Maximum Income
3 Person Family | $55,620 Maximum Income
4 Person Family | $61,740 Maximum Income
5 Person Family | $66,720 Maximum Income
6 Person Family | $71,640 Maximum Income
7 Person Family | $76,560 Maximum Income
8 Person Family | $81,540 Maximum Income
Equal Opportunity
Habitat for Humanity of Northwest CT is pledged to the letter and spirit of the U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.
