Homeownership program
We help working families buy a home they can afford. One that is safe, stable, and built to last
If you’re looking to buy an affordable home in Southern Alberta, Habitat gives you a way to make it happen. You won’t be given a home for free—you’ll partner with us to buy it through our affordable homeownership program.
No down payment
No interest
Affordable mortgage payments
From dream to doorstep: How Fatime built a brighter future with Habitat
Fatime, a single mother of two, always dreamed of owning a home—but saving for a down payment on one income felt impossible. Through Habitat for Humanity, she found a path forward.
Hear how Fatime found not just a home, but a sense of stability, space, and pride for herself and her children.
Buy an affordable home, build your future
Owning an affordable Habitat home gives you the chance to build equity and create a stable foundation for your family’s future.
If your application is approved, you will:
- Buy the home, not rent
- Pay no down payment
- Pay no interest
- Make monthly mortgage payments set at no more than 30% of your total household income
Who can buy a Habitat home?
We partner with working families who have steady income and strong goals but can’t qualify for a traditional mortgage through a bank. These families include essential workers like teachers, healthcare aides, transit drivers, and tradespeople—people who help our communities thrive.
You might qualify to buy an affordable home if you:
- Have children under the age of 18 living with you
- Are working and earning a steady income
- Have good credit and no large debts
- Can’t get approved for a mortgage through a bank
- Are willing to volunteer 500 hours with Habitat
Steps to buying an affordable home
If you meet the criteria, fill out the online application and send in documentation
Interviews, credit and reference checks
Approval and matched to a home
Complete 500 volunteer hours
Move in
Where does Habitat build their homes?
Habitat homes are located in communities across Southern Alberta. We build a variety of homes from duplexes to row townhomes, and stacked townhomes.
You’ll find Habitat homes in places like:
- Calgary
- Airdrie
- Chestermere
- Okotoks
- High River
- Medicine Hat
Ready to buy your own home?
Saving for a down payment was a big challenge because I am a single mom with one income. Then I found out that I can purchase a house with Habitat with no down payment and no interest. That changed everything.