How does it work?

Through volunteer labor and tax-deductible donations of money and materials, Habitat builds simple, decent houses with the help of the homeowner (partner) families. Habitat houses are sold to partner families at no profit, financed with affordable, no-interest loans. The homeowners’ monthly mortgage payment goes into a revolving Fund for Humanity that is used to build more houses.

What does a Habitat house cost?

Currently, a three-bedroom Habitat house in Gadsden, AL costs the homeowner an average of $60,000. Habitat houses are affordable for low-income families because there is no profit included in the sales price, and no interest charged on the mortgage. The length of the Habitat mortgage is 20-years. Average monthly mortgage payments are $325 which includes taxes and insurance.

How are the partner families selected?

Families apply during scheduled Application Periods which are held as needed to insure families are in the “pipeline” working on their requirements. The Family Selection Committee chooses prospective homeowners based on their level of need, their willingness to become partners in the program and their ability to repay the loan. Every affiliate follows a nondiscriminatory policy of family selection. Neither race nor religion is a factor in choosing the families that partner with Habitat.

How are donations used?

Donations are used as designated by the donor. Gifts and donations are used to purchase building materials, office supplies and other expenses unless specified by the donor.

How does Habitat work with the government?

Habitat does accept government fund for the acquisition of land and funds for streets, utilities and administrative expenses, so long as the funds have no strings attached that would violate Habitat’s principles or limit its ability to proclaim its Christian witness.

How can I become a volunteer?

Volunteer information, applications and waivers are available from our affiliate or on line. You can call or email us. 256-543-1898 or emailto:

How else can I help?

Get involved! Pray for the work of Habitat for Humanity. Contribute financially to Gadsden-Etowah HFH, and/or participate in fund-raising events. We need people to help build, to serve on committees and to spread the word about Habitat. Call 256-543-1898. Habitat for Humanity invites you to join in the exciting partnership of building houses with God’s people in need.