Home Owner Partnership Criteria

Habitat for Humanity Okanagan builds affordable homes for families who are currently living in unsuitable housing. Our homeowners come from a wide variety of professions and backgrounds. Our homes are built by volunteers and donors and sold at fair market value to partner families. Habitat for Humanity Kelowna holds the mortgage, charges no interest and establishes payments to be no more than 25 – 30 percent of the families’ income for housing (including taxes and insurance).

There are three areas of criteria for qualifying to purchase a Habitat for Humanity home:

1) Housing Need:

  • Must have children under the age of 18 living at home.
  • Current housing is substandard, does not meet their needs, or rent is more than 40 % of total gross family income
  • Must have been resident of Canada and lived in the Central Okanagan for at least two years prior to applying.
  • Program intended for families who have not previously owned a home

2) Ability to pay:

  • Income must meet Low Income Cut-off published by the Provincial Government.
  • At least one adult member of the family employed full-time and year round
  • Manageable debts (balance between income & debt)
  • If family has experienced bankruptcy, must have been discharged for two years

3) Willingness to partner:

  • Families agree to complete 500 hours of volunteering with Habitat (Sweat Equity)
  • Agree to keep home and yard in good condition
  • Agree to follow all policies of a New Home Ownership Agreement
  • We dedicate ourselves to helping families become successful through home ownership.

We dedicate ourselves to helping families become successful through home ownership.

If you think you meet these criteria, please complete and submit the short "Will I Qualify" form.

Will I Qualify Form