Homeownership Program

We partner with families in need of decent, affordable housing to build a place to call home.

No matter who you are or where you come from, everyone deserves a decent place to live. Habitat for Humanity of Greater Providence provides a hand-up, not a handout, to families in need. People in Habitat’s Homeownership Program partner to build brighter futures for themselves and their families. We work with individuals who might not otherwise qualify for a traditional mortgage.

Habitat builds and rehabs houses in the Greater Providence area, which are available for purchase with an affordable mortgage to people in our Homeownership Program. See if you are eligible below.

Income Eligibility Requirements

Household income requirements are based on 30 (minimum) to 60 (maximum) percent of the 2019 U.S. Housing & Urban Development’s (HUD) Area Median Income (AMI).

Household Size Minimum Household Income Maximum Household Income
1 $17,200 $34,440
2 $19,650 $39,360
3 $22,100 $44,280
4 $24,550 $49,140
5 $26,550 $53,100
6 $28,500 $57,060
7 $30,450 $60,960
8 $32,450 $64,920

Application Process

Attend an Information Session

If you are interested in applying for Habitat for Humanity of Greater Providence’s Homeownership Program, the first step is to attend an information session.

During the information session, you will hear from our team and current Habitat homeowners on program requirements and expectations. At the end of the information session, you will receive an application that can be submitted during an open application period.

Submit Application

If the program is a good fit for you, fill out an application. This is a thorough application that requires you to submit many different kinds of documents, such as your employment history, tax returns, and more.

Application Review

The end goal of our Homeownership Program is for you to purchase your Habitat home with a thirty-year, affordable mortgage. We want you to be successful as a homeowner, so we run a credit check to make sure your finances are healthy.

Home Visit

Habitat staff visits your current home to better assess your need for housing, and to talk through the program requirements again. This is a chance for us to get to know you, your needs, and your willingness to partner through this program. This is also a chance for you to ask any outstanding questions you have.

Committee Review

A committee of staff, board members, Habitat homeowners, and volunteers conducts a blind review of all applicants to determine who is accepted into the program. The Board of Directors has final approval and votes in applicants.


If you are accepted, congratulations! We are thrilled to be a partner in your journey to homeownership.

If you are not accepted, there are specific ways you can strengthen your application, should you choose to apply again in the next application period. If you need credit repair, we can refer you to the partners we work with to help you get your finances for the next time.


Accepted families attend a kickoff orientation, which includes a thorough review of program documentation as well as training with our construction team to prepare for work on site.

Homeownership Program FAQ’s

If I’m accepted into the program, how long before I purchase my home?2020-05-26T14:03:50+00:00

The typical time for a family to complete the program is within 18-24 months, after which the purchase process begins. This timing depends on a variety of factors, including how long it takes a family to complete sweat equity requirements, Habitat’s construction schedule, and other considerations.

What kind of support will I receive throughout the program?2020-05-26T14:04:06+00:00

Our team is here to help keep you on track! We understand there may be bumps in the road, and we will work with you as a partner in your success.

Each individual or family in the Homeownership Program may be paired with a Family Advocate, a volunteer, or Habitat homeowner who stays in touch with you throughout the program and supports your needs. They can even contribute sweat equity hours!

I’d like to speak to someone about the program. Who can I talk to?2020-05-26T14:04:23+00:00

You can reach us at (401) 831-5424 or by emailing (insert new email address)


For more information, contact info@habitatpvd.org

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