New Home Construction

Salt Lake Valley Habitat for Humanity is committed to building decent, affordable homes for families in need. Habitat for Humanity does not give away homes. Homeowners invest hundreds of hours of their own labor – sweat equity – into building their Habitat house and they pay a no-profit, no-interest mortgage. We provide a hand up, not a hand out.

The first step in becoming a Habitat family is to attend one of our public information meetings to learn more about our process and to get an application.

Basic Homeownership Qualifications

Willingness to Partner

Each future Habitat homeowner must complete a minimum of 225 ‘sweat equity’ hours. The hours are completed by volunteering at the construction site and at Habitat’s ReStore.

Additionally, homeowner education classes and workshops are a part of the sweat equity requirement. The classes are designed to help future homeowners prepare for homeownership.

Habitat homeowners may also be asked to participate in media interviews and presentations to sponsors and other community groups by sharing their personal stories


The applicant’s current living situation and whether they have the means to qualify for a home with a traditional mortgage lender will be considered. Does a majority of the applicant’s income go toward housing? Is the applicant’s housing substandard or temporary? Applicants will also receive a home-visit to further evaluate their living conditions.

Ability to Pay

During the application and selection process each applicant’s income will be considered. The applicants need to have a steady source of income. They must be able to pay a monthly mortgage and their credit history needs to indicate this. Habitat homeowners are responsible for their monthly mortgage payment, property taxes and insurance.

What Next?

Download the income guidelinesFrequently asked questions