Habitat for Humanity is a nonprofit housing organization working in local communities across all 50 states and in more than 70 countries around the world. Habitat’s vision is of a world where everyone has a decent place to live. Habitat works toward this vision by building and improving homes in partnership with individuals and families in need of a decent and affordable place to live.

Affordable houses sold to partner families who have completed 300 hours of sweat equity as a down payment. Families then assume a 20-year, interest-free mortgage with average payments of $350 to $400 per month. Payment includes insurance and taxes, set aside in escrow. The payments on principal go toward expenses for the next house.

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