Homeownership & Habitat for Humanity of Montgomery County, PA

Shelter is a basic human need -- and a universal one! We at Habitat for Humanity of Montgomery County (HFHMC) believe everyone should have a safe, decent, affordable place to live, whether halfway around the world or right here in southeastern PA. That's what our homeownership program is all about! HFHMC builds and renovates simple, affordable houses, then empowers qualified, hardworking, low-income individuals and families to buy these houses by also providing no-interest mortgages with which to purchase them.

Our homeownership program is restricted to low-income (as defined by HUD) households that could not otherwise save for down-payments and settlement costs and/or secure mortgages of their own through more traditional means. Yet Habitat is not a hand out; it is a hand up! Habitat families work hard for their homes! Not only must they invest 200-400 hours of “sweat equity” helping build their homes, they must also buy their homes from HFHMC via no-interest loans HFHMC provides, then make affordable, monthly mortgage payments back to us over the course of twenty-to-thirty years.

We prioritize our applicants based on need AND "first come, first served." For more information on qualifying for a Habitat home and specific terms of our homeownership program, please see "Qualifying for a Home."

Or if you'd like to explore other affordable homeownership opportunities in Montgomery County, check out Genesis Housing Corporation at www.genesishousing.org or by calling 610.275.4357.


You can help us spread the word about our program, and break some of the common misunderstandings about homeownership through Habitat:

We don’t give houses away! Our families pay a mortgage for their homes. That means families who qualify for our program have stable income. Plus a thorough and detailed financial screening is part of the process -- in fact, our organization collects the same information that mortgage companies use to qualify applicants for traditional mortgages -- and candidates need to prove not only that they are capable of affording our monthly mortgage payment, but also that they are responsible enough to do so.

We do not "give" families homes in exchange for physically working on houses. Yes, Habitat homeowners DO physically work on the houses they eventually purchase, but such volunteer labor is just one part of a comprehensive homeownership agreement each family reaches with Habitat when partnering to first build, then buy, a home from us; and those hours do not replace the mortgage or the responsibility to pay for it.

We do not provide "crisis" or other short-term housing.  


Due to the nature of Habitat’s program requirements, we cannot help families in emergency situations. Here are other housing organizations that may be able to help:




American Red Cross:


Bridge of Hope Buxmont – Lansdale


(Rental assistance on a decreasing scale for single-parent homeless families.)


CADCOM (Montgomery County Community Action Development Comm.)


(Emergency and transitional housing.)


Community Housing Services - Lansdale  


(Case management of at-risk households, homelessness prevention, information and referral. Traditional housing for domestic violence survivors and homeless men.)


Hedwig House:


(Transitional housing.)


Homeless Prevention Center of Montgomery County


(Centralized service providing information and referrals for housing related needs: funding, emergency assistance, shelters, subsidized housing, etc.)


Interfaith Hospitality Network of the Main Line


(Shelter for single women or families.)


Interfaith Housing Alliance


(Shelter for families and transitional housing.)


Indian Valley Housing Corporation


(Shelter for families and transitional housing.)


Laurel House


(Shelter for female victims of domestic violence and their children and transitional housing.)


Mattie N. Dixon Community Cupboard - Ambler


(Temporary housing.)


Missionaries of Charity




One Night at a Time


(Shelter for adults.)


Open Line - Pennsburg


(Emergency housing.)


Salvation Army of Norristown


(Shelter for families and transitional housing.)


Salvation Army of Pottstown


(Shelter for families and transitional housing.)


Sisters of Charity


(Shelter for women or women with young children.)




Montgomery County Housing Authority 

104 West Main St., Suite 1 

Norristown, PA 19401-4716



(Subsidized housing.)


Montgomery County Office of Aging and Adult Services 

Human Services Center

1430 DeKalb Street 

Norristown, PA 19401-0311


(Subsidized housing and resources for seniors.)


Montgomery County Personal Navigator Program

VNA Community Services

Norristown Health Center

1430 DeKalb Street

Norristown, PA 19401-0311


(Service connecting people to appropriate resources for their specific needs, including utilities, food and housing assistance.)



1608 Walnut Street, 10th Floor

Philadelphia, PA 19103


(Free credit counseling.)


Money Management International (MMI)

265 West High Street

Pottstown, PA 19464

800-308-2227. ext.6530


(Free credit counseling.)

533 Foundry Road
West Norriton, PA 19403
Restore: 610-631-3149
Office: 610-278-7710
Fax: 610-278-1634


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