Habitat of Dane County is building homes and building hope!

Habitat is not a giveaway program.

In addition to a down payment and the monthly mortgage payments, homeowners invest their own labor -- sweat equity -- into building their Habitat house and the homes of others. Families are required to put in a minimum of 375 sweat equity hours for a two-parent family and 325 sweat equity hours for a single-parent family. Each family must also attend educational courses on how to maintain a home, landscaping, budgeting and insurance.

The combination of holding down construction expense with volunteer labor and the 0% interest on a mortgage is what makes these homes affordable. Including property taxes and insurance, the Habitat homeowner's monthly mortgage payment is no more than 25 percent of their gross income.

Read more about our families in our Family Stories

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