Acceptance of new applications for homeownership is currently on hold.

Our Homeownership program has reached full capacity of approved partner families awaiting a home. As a result, Habitat Toronto has put a temporary hold on accepting new applications. We are confident that as we continue to pursue new homeownership opportunities, we will be able to start accepting new families in the near future.

Please contact our Homeownership Information Session line at (416) 755-7353 ext 490 if:

  • You have already attended an Information Session, have received an application, and would like to be notified when we re-start our application process.
  • You are interested in being notified of future information sessions and receiving ongoing program updates.

Please continue to visit this page for updates on future information sessions and on the status of our application process.



Habitat for Humanity Toronto Homeownership

Habitat for Humanity Toronto helps low-income families buy simple, decent and affordable homes through a no-down payment, no-interest mortgage with monthly payments set at 30% of gross family income. This solution not only helps to provide available housing for families in need, it enables low-income families to build assets, reduce their dependence on other forms of social assistance and break the cycle of poverty.


Homeownership Criteria

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

Living in Need:
  • Your family must be living in unsafe, unhealthy or overcrowded housing conditions or be spending a high amount of your gross family income on rent
Willing to Partner:
  • You families must be willing to volunteer 500 hours of “Sweat Equity” towards the construction of your home, or other Habitat programs, such as the ReStore.
  • You must attend a series of workshops on home ownership. 
  • Your Family must also be willing to help us spread the word about Habitat through public initiatives. 
Status Requirements:
  • Each family member must be either a Canadian Citizen or a permanent resident of Canada. 
Income Requirements:
  • Families must be able to afford a 0%-interest mortgage and not have an overwhelming amount of debt. 
  • The entire family’s employment income and/or long-term disability (ODSP) income are considered. 
  • Each family member must be either a Canadian Citizen or a permanent resident of Canada for at least 3 years and be able to show a stable income history 
  • 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:


Minimum Income Maximum Income
$26,200 $31,034  
$29,400   $38,153
4   $32,600 $45,322
5 $35,800 $52,539
6 $39,000 $59,254
7 $42,200 $65,972
"I found Habitat for Humanity GTA as a very friendly organization for low income families. No interest, no down payment, training for home ownership, the best thing is you can own a house even if you are on a low income.

We thank God and thank the staff of Habitat for Humanity GTA who give us this opportunity. It's our dream; it's the goal of our life."