Qualify for a Habitat for Humanity Toronto Home

Habitat for Humanity Toronto builds affordable homes with low-income families who currently live in overcrowded and substandard housing. Since 1988, over 225 homes have been built throughout Toronto, improving both the lives of our Habitat Partner Families and the communities we serve.

Did you know:

Habitat Toronto Homeownership ensures low income families own their own home - empowering families who may have relied on municipal rental subsidies, to contribute to the City of Toronto's annual operating budget through the payment of property taxes.
By partnering with low income families to become Habitat Homeowners through a no-interest, no-profit mortgage, families gain access to capital, helping them break free from the multigenerational cycle of poverty.

If you are interested in applying for a Habitat for Humanity Toronto home, we ask that you attend an Information Session to receive an application. Please refer to ‘Information Session Dates’ for dates, times and locations of the Information Sessions.

Homeownership Criteria

In order to qualify for a Habitat Toronto home, you must meet the following criteria:

Living in Need:

Families must be living in either unsafe or unhealthy conditions, substandard or overcrowded housing conditions or have high rent relative to your income.

Willing to Partner:

Families must be willing to volunteer 500 hours of “Sweat Equity” towards the construction of their home, a new Habitat community, or other Habitat programs, such as the ReStore.
The Applicant and Co-Applicant must attend a series of workshops on home ownership.
The Family must also be willing to help us spread the word about Habitat.

Status Requirements:

The Applicant and or Co-Applicant must either be a Canadian Citizen or a permanent resident of Canada for three years.
Each family member must be either a Canadian Citizen or a permanent resident of Canada.

Income Requirements:

Families must be able to afford a mortgage and not have an overwhelming amount of debt.
The Applicant and Co-Applicant must show a consistent work history for 2.5 to 3 years.
The entire family’s employment income and/or long-term disability (ODSP) income are considered.
HFHT does not accept families whose only source of income is Social Assistance (Ontario Works) or Employment Insurance.
The entire family income before taxes must be in the following range:

Family Size	Minimum Income	Maximum Income
2	$26,200	$30,155
3	$29,400	$37,070
4	$32,600	$45,010
5	$35,800	$51,050
6	$39,000	$57,575
7	$42,200	$64,100