For working families who think homeownership is out of reach, Habitat for Humanity’s unique 0% interest, no down payment homebuying program may be worth a look.

For working families who think homeownership is out of reach, Habitat for Humanity’s unique 0% interest, no down payment homebuying program may be worth a look.

 The pre-application period for Habitat’s unique homebuying program, where qualified homebuyers complete 500 “sweat equity” hours building their home in lieu of a down payment, is open now through July 6th

 As Sacramento rents increase at double the national average and the Sacramento region recently ranked as one of the least affordable for homeownership, many working families may feel the dream of being able to afford to own a home is out of reach. But Habitat for Humanity wants working families to know that they may qualify to build a safe, decent and affordable place to call home through Habitat’s unique program that partners with working families and community supporters to build homes, communities, and hope.

Habitat for Humanity of Greater Sacramento is currently hosting an open application period for qualified, working families now through July 6th. The locally supported nonprofit offers homeownership opportunities with a 30-year, fixed rate mortgage at 0% interest and with no down payment (closing costs only upon purchase). To qualify, homebuyers must have the ability to pay a mortgage, have a willingness to partner with Habitat for Humanity to build their home, demonstrate a need for improved housing, and currently reside in Sacramento or Yolo County.

The homes currently available for purchase include 8 remaining homes on Habitat’s currently under construction Mandolin Estates Development off Power Inn Road and 50th (inside the City of Sacramento’s Stockton Blvd Plan that is designated as a special interest area for the City of Sacramento) and 1-2 additional properties also in South Sacramento.

The Sacramento Housing Alliance 2021 survey showed there are well over 58,000 households in Sacramento in need of affordable housing. Habitat for Humanity of Greater Sacramento is seeking support with spreading the word about this affordable homeownership opportunity to all working families in the region who would benefit from the opportunity to own an affordable home and build equity for their family through ownership.

Those interested in learning if they may qualify, where the homes are located, and how to apply are encouraged to visit The pre-application for interested homebuyers is available on Habitat’s wesite page – it takes under 3 minutes to complete and is due by July 6th for consideration for this opportunity. Following the pre-application deadline, Habitat for Humanity will be hosting a virtual orientation on July 7th, after which homebuyers may complete a full in-depth application.

Find out more at

English Flyer: Homeownership-Opportunity-Flyer_English.pdf (

Spanish Flyer: Folleto-de-oportunidad-de-propiedad-de-vivienda.pdf (


About Habitat for Humanity of Greater Sacramento

Celebrating 35 years of building hope and homes in Sacramento and Yolo County, Habitat for Humanity of Greater Sacramento builds and repairs homes, revitalizes underserved neighborhoods, and provides equity-building opportunities to underserved communities.

A 501(c)3 nonprofit and local affiliate of Habitat for Humanity International, last year, Habitat Greater Sacramento served over 3,000 individuals through home builds, repairs, and community projects. Those interested in supporting Habitat’s work can find more at or follow Habitat on Facebook at ,Twitter @SacHabitat,,or  Instagram @SacHabitat.

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