Homeownership

Austin Habitat for Humanity builds homes in partnership with qualifying partner families and the community. We then sell the homes with affordable, 30-year fixed rate mortgages to partnering families and equip them with the knowledge and tools to be successful, long-term homeowners.

Why rent when you can own?

For nearly 35 years, Austin Habitat for Humanity has been helping hardworking families achieve their dream of homeownership. We have built more than 470 homes, repaired 340 homes, and counseled 11,000 people.

As rent continues to rise, Austin Habitat offers your family the stability of a home of your own with predictable payments to help you achieve not only the dream of homeownership but the other dreams you have for you and your family. Homeownership improves educational outcomes and health. It offers you the opportunity to be a part of a neighborhood and a community. It gives you a chance to build your savings and a financially secure future. Learn more about the benefits of owning a home.

We are there for you every step of the way to make sure you’re ready to purchase and stay in your home for many years to come.

Affordable Homeownership Program

To find out more about the qualifications and requirements for partnering with Austin Habitat’s Affordable Homeownership Program, see how it works. For information about the process of becoming a homeowner through a partnership with Austin Habitat, see steps to homeownership.

Ready to get started?

Austin Habitat’s waitlist is currently open! If you would like to be added to the waitlist, please email bsamilpa@austinhabitat.org with your name, contact number, email address and family household size.

Families like yours

Read about the families we have helped build and buy their own homes, and see the difference 20+ years of homeownership made in the life of Benita Martinez.

Homeownership Program FAQs

If you do not find answers to your questions below, please call us at 512-472-8788 x100.

How do I get a house?

First, it’s important to know that Austin Habitat for Humanity does not give houses away. We provide a hand up rather than a handout. Therefore, each applicant must agree to partner with us in the program, which includes providing all documentation needed as well as attending homebuyer education classes and working 300 hours of sweat equity. Basic requirements to own a Habitat home are provided in the mandatory orientation session. For a schedule of upcoming classes and to sign up, call our office at 512-472-8788 x100.

How do I know if I qualify?

Austin Habitat builds houses along with families who demonstrate a need for housing, the ability to pay a mortgage, and a willingness to partner. To qualify, you must be must be a first time homebuyer or a previous homeowner that has not owned a home for the past three years. Alternatively, if you no longer own a home due to death of a spouse, disaster (i.e. floods/fires), or divorce, then you may qualify. Your income must be at or below 80 percent median family income in Austin and you must show you have the ability to pay an affordable mortgage loan for 30 years. A minimum credit score of 580 also applies.

How much will my mortgage cost?

We provide the opportunity for affordable mortgages between $900-$1,200 for 30 years.

What are sweat equity hours and how many do I have to work?

Sweat equity is the Habitat for Humanity term for partnering with us in the process to create homeownership for you and for others. Austin Habitat for Humanity requires each Habitat partner (future homeowner) to complete 300 hours of sweat equity helping build others homes so we can begin building yours. The pace at which you work off your hours is entirely up to you and your family. In general, the process takes approximately 12-18 months.

Are the houses free?

Austin Habitat for Humanity does not give houses away. We provide a hand up rather than a handout. Therefore, each applicant must agree to partner with us in the program, which includes paying a 30-year, fixed rate mortgage.

Do I have to be a first-time homebuyer?

By HUD definition you must not have owned a home, independently or with someone else, in the past 3 years. Alternatively, if you no longer own a home due to death of a spouse, disaster (i.e. floods/fires), or divorce, then you may qualify.

What if I'm over the income requirements?

Austin Habitat may have options for those above the maximum requirements for a home. Our team holds a session titled, “Realizing the American Dream,” for those interested in homeownership but who may need to go through more traditional homebuying arrangements. Alternatively, if you’re close to the upper income limit, please reach out. Income limits are constantly changing and it may be worth joining our waitlist in case limits rise.

What if I'm under the income guidelines?

If you are below the income guidelines specified by Austin Habitat for Humanity, we refer you to housing agencies who specialize in your area. See our resources for a list of agencies that may be better equipped to help you or you may dial 2-1-1 for more information on low-income, more immediate, or rental housing options.

Can I sell the house?

All Habitat homes are sold with deed restrictions that limit to whom the home can be sold and at what price. Our program is a long term partnership with the intention of keeping our homes affordable for the long-term – a mission in which our families are truly partners.

Can I rent my home to other people?

No, Austin Habitat for Humanity homes must be owner-occupied.

When is the next orientation session?

To register for an orientation session, please call us at 512-472-8788 x100 to reserve your spot.

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Austin Habitat for Humanity
500 W Ben White Blvd
Austin, TX 78704

(512) 472-8788

Hours
Monday to Friday
8:30am – 5:30pm

ReStore Austin
500 W Ben White Blvd
Austin, TX 78704

(512) 478-2165

Hours
Monday to Saturday
9:00am – 8:00pm

Sunday
11:00am – 6:00pm

ReStore San Marcos
2521 South Interstate 35 Frontage Rd.
San Marcos, TX 78666

(512) 738-8383

Hours
Monday to Saturday
9:00am – 8:00pm

Sunday
11:00am – 6:00pm