Together We're Building

You Can Build A Better Future

A safe and affordable home is within your reach and is an investment that lasts for generations. Find out how Niagara Habitat for Humanity can change your life.

Benefits of Homeownership

When you receive the keys to your new home, you will see the surprising benefits of safe, decent and affordable shelter.


Provide your family with a safe, stable home to return to at the end of the day. A place to call your own means you can make it exactly what you need to thrive.


We work with you to ensure that your new home is affordable so you can use your resources effectively. With your very first payment, you are building equity.


Your new home will be an asset and your legacy - something you can pass down to your children. Your home will continue to provide stability to your family for generations to come.

Applying for a Home

How It Works

We partner with hard-working, local families to help them build a better life for themselves and their loved ones – because we know that decent, affordable shelter offers strength, stability, and self-reliance. Each year, Niagara Area Habitat for Humanity builds and rehabilitates homes in Niagara County which are then sold to families seeking affordable housing through an affordable, low-interest mortgage.


Families in need of decent affordable housing who are making less than 80% of the Area Median Income can apply for a Habitat home by completing an application. Our Family Selection Committee reviews each applicant and selects homeowners based on three criteria:

  • The applicant’s level of need
  • Their willingness to partner with Habitat
  • Their ability to repay a mortgage through an affordable payment plan

Sweat Equity

Habitat’s homebuyers invest 500 hours of their own labor, called sweat equity, working alongside volunteers and other Habitat homeowners, in addition to paying an affordable mortgage and receiving financial education.

Niagara Area Habitat for Humanity follows a nondiscriminatory policy of family selection. Neither race nor religion is a factor in choosing Habitat’s homeowners.


To qualify, families must make at least $20,000 per year and cannot exceed these income limits for their household size.

More About Eligibility

Click the boxes below to learn more information about applying to be a homeowner.

Housing Need

Potential homebuyers might be dealing with poorly made, unhealthy or inadequate housing; unaffordable rent; or have other shelter needs.

Ability to Pay

Prospective homebuyers will need to prove the ability to make a future mortgage payment through our application process.

Willingness to Partner

Habitat homebuyers put in hundreds of hours of “sweat equity” helping build their own home and the homes of others in the program. This also includes classes in personal finances, home maintenance and other homeownership topics.

Ready to Own Your Own Home?

Niagara Area Habitat for Humanity is not currently accepting new applications. To be contacted when the application reopens, email

We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.


Your Donations Make a World of Difference

Every gift helps a family build a foundation. 

Want to Know More? Contact Us!

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716 - 265 - 9010

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1221 Main Street, Lower Niagara Falls, NY 14301