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every homeis the foundation for a stable future

Take the eligibility Quiz
See where you can own

Own your home through Habitat for Humanity's affordable mortgage

Are you renting and looking for an affordable way to buy your first home?

One of the biggest challenges families face in owning a home is saving for a down payment. Habitat for Humanity removes this barrier through our affordable mortgage. 

This means you can buy a home of your own with no down payment, no interest, and monthly payments guaranteed to be no more than 25% of your monthly income.

We currently have several starter homes for sale in communities across southern Alberta. See where you can own.

Basic qualification criteria:

  • Minimum employment income of $40,000 per year
  • Maximum total household income dependent on family size
  • Have children under the age of 18
  • Working full-time (35 hours per week)
  • Consistent two-year full-time work history
  • Do not currently own real estate
  • Have lived in the area in which you are applying for at least two years
  • All family members are Canadian Citizens or Permanent Residents
  • Low debt
  • Some savings

Three steps to owning your home

1. Take the Eligibility Quiz

Take our short Eligibility Quiz to see if you meet the basic criteria to be approved for our affordable mortgage.

2. Attend an Information Session

Learn more about how our program works and if it would be a good fit for your family.

3. Submit an Application

Get approved for your affordable mortgage!


Take the eligibility Quiz
See where you can own a home

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“I recently saw the houses built by Habitat and was amazed with the attention to detail that goes into them; from the interior details, to the care and thought put into the design so that families not only have a house, but LOVE their home.”


- edgar, habitat homeowner in capitol hill, calgary