Habitat Buffalo builds safe, decent, energy-efficient homes in the City of Buffalo. Before applying to Habitat Buffalo’s Homebuyer Program, please consider the following:


Income Guidelines
Approved homeowners repay an affordable, 30-year mortgage. Habitat Buffalo considers applicants’ credit, debt-to-income ratio, and financial history.


Sweat Equity
“Sweat equity” is a term used to describe work completed by homebuyers towards the purchase of their home. Once approved, homebuyers are required to complete at least 400 hours of “sweat equity”. At least 150 hours must be completed prior to selecting a home. “Sweat equity” may include time spent on a construction site, shifts worked a one of Habitat Buffalo’s ReStore locations, and participation in the required budgeting and homeownership classes each homebuyer must complete.


Home Selection
Habitat Buffalo builds and rehabs homes primarily in the City of Buffalo. Once a family completes 150 of the required 500 “sweat equity” hours, they will be offered a home from the current inventory of houses available. A family may refuse a home once without penalty, but repeated refusals may result in long wait times and/or movement to a waitlist.

Families with special needs (such as wheelchair ramps, step-in showers, etc.) may have an opportunity to request these modifications be made to their home at the time of application acceptance.

Habitat Buffalo cannot guarantee the location of available homes.


Required Documentation
Applicants for Habitat Buffalo’s homebuyer program are required to complete an application, and to submit a copy of:

  • A recent credit report (Habitat may help applicants access this)
  • Two recent paystubs
  • Most recent federal tax forms
  • W-2

Complete a Pre-Application Now

For more information or program inquires, email familyservices@habitatbuffalo.org.