How Habitat Works

Posted on: January 3rd, 2020

Donors and supporters of Habitat make contributions and grants and fundraisers help provide the on-going funds needed to keep the Habitat housing Program going. Houses are then built for people who do not qualify for conventional bank loans. Most labor is done by volunteers and by the families themselves. Each family will contribute a minimum of 250 hours per adult of “sweat equity” toward the construction of their home.

Business people and community neighbors contribute time and materials. When the house is completed, the family assumes a mortgage just like all homeowners. This is an interest-free, non-profit loan covering the actual costs of the house and land.

As payments are made, equity is credited to the buyer over the life of the mortgage. In addition to the mortgage, each homeowner is responsible for the insurance, taxes, utilities, maintenance, and other standard expenses.


Posted on: June 1st, 2017

Habitat for Humanity of North Idaho is a volunteer-driven organization. We welcome people from all walks of life to join us as we build simple, decent, affordable houses in partnership with God and families in need. Though the vast majority has no construction experience or building skills, volunteers are involved in most phases of construction. By working side-by-side with the family who will live in the house, our volunteers experience for themselves the joy created when a family is able to realize their dream of home ownership.

Habitat for Humanity of North Idaho