Home Ownership Program
Habitat for Humanity of Greater Portland is a non-profit organization that builds communities of new energy efficient homes, with affordable financing. We are currently building a 13-home community in Scarborough. To read more about that project, click here. The homes are sold with affordable monthly payments for Habitat families by means of subsidized financing. Families invest approximately $2,000 to pay for closing costs in addition to volunteering 275 hours of sweat-equity to help build their own home, as well as the homes of other Habitat families.Habitat candidates and home buyers must understand and be committed to:
- Going through a detailed screening process
- Fulfilling significant partnership obligations
- Buying a home with fewer options for its features and location
All families go through an extensive screening process that determines eligibility based on three basic criteria:
- Need of decent, stable and affordable housing
- Willing to collaborate to build their home
- Demonstrate the ability to pay by meeting our financial requirements
We believe that buyer readiness is a key component of successful homeownership, which is why we require all of our families to participate in pre-and post-closing classes at the Avesta Homeownership Center. Topics include understanding credit, obtaining a mortgage and loans, shopping for a home, closing assistance and how to maintain a home. In addition, they receive one-on-one counseling and access to home maintenance workshops.
In order to ensure long term affordability for the homeowner and with regard to creating a healthier community for all of our neighbors, we build our homes at no less than Energy Star standards. Our homes are well-built, easy to maintain and save homeowners hundreds of dollars each year on utility costs.
Families must have a minimum income of $30,000 and a maximum income based on family size. For more detailed information, please see our qualifying guidelines page.
|Family Size||1 || 2|| 3||4 ||5 || 6||7 ||8 |
|Max. Income||$46,704 || $53,376|| $60,048||$66,720||$72,058|| $77,395||$82,733||$88,070|
Habitat for Humanity of Greater Portland does not discriminate on the basis of race, color, religion, sex, sexual orientation, national origin, ancestry, age, physical or mental disability, or familial status.