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Habitat for Humanity provides a unique opportunity for hardworking people and families to build and buy their own homes. Our houses are sold at no profit to our partner homeowners with an affordable mortgage. The mortgage lengths and payments vary depending on the income of the new homeowner(s); the monthly mortgage payment is based on the cost of construction (also includes taxes, insurance, and condo fees, if applicable) but is no more than 30% of the homeowner’s gross monthly income at the time of sale. As Habitat for Humanity homeowners make their monthly mortgage payments they are put into a revolving fund that helps pay for construction of future houses in Jackson County.