Habitat for Humanity - New York City

Homeownership

Habitat NYC builds affordable, high-quality homes with first-time homebuyers throughout the five boroughs of New York City. Habitat NYC has built co-ops, condos, and single-family homes for household sizes of 1-6. Types of housing and housing location are dependent upon our current projects.

With a Habitat for Humanity New York City home, your monthly housing costs are no more than 33% of your total household income. Habitat NYC, in conjunction with State of New York (SONYMA), offers 1% down payment, 30-year, 2% fixed-interest rate mortgage.*

Requirements for Habitat Homeowners:

  • Meet HUD established house hold income guidelines
  • Provide 1% cash down payment
  • Establish a monthly savings account
  • A FICO Credit Score of 620 or higher
  • Have no accounts in collection, no charge-offs or unsatisfied public records
  • No bankruptcies in the last 3 years
  • Be a first-time homebuyer

*Contingent upon availability of funds

See Homeownership FAQs

To see if you qualify for a Habitat home and for more information, please attend an upcoming information session. 

Information sessionas are held the third Thursday of every month at 6 p.m.
Habitat for Humanity New York City
111 John Street, 23rd Floor
New York, NY 10038
RSVP for each participant is required via This email address is being protected from spambots. You need JavaScript enabled to view it. or by calling (646) 402-6212

This email address is being protected from spambots. You need JavaScript enabled to view it.  



Habitat for Humanity New York City transforms lives by building quality homes with families in need and by uniting all New Yorkers around the cause of affordable housing.

What would you like to learn about?

Homeownership Information Sessions

Learn more about our homeownership program by attending one of our information sessions!

Manhattan
Held the Third Thursday of Every Month
6 p.m.
Habitat for Humanity New York City
111 John Street, 23rd Floor
New York, NY
RSVP for each participant is required via email or by calling (646) 402-6212

RSVP now