Missouri's Guide to Housing Assistance Programs
HOME PURCHASING
HABITAT FOR HUMANITY
ELIGIBILITY:
- 18 years of age or older
- Very low* to low-income* (30 - 50% median income)
SERVICES:
Self Help Program
Habitat for Humanity International is a nonprofit, ecumenical Christian housing ministry. Habitat for Humanity International's headquarters, located in Americus, Ga., USA, provides information, training and a variety of other support services to Habitat affiliates worldwide.
Through volunteer labor and donations of money and materials, Habitat builds and rehabilitates 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 payments are used to build still more Habitat houses.
Habitat is not a giveaway program. In addition to a down payment and the monthly mortgage payments, homeowners invest hundreds of hours of their own labor -- sweat equity -- into building their Habitat house and the houses of others.
Habitat houses are affordable for low-income* families because there is no profit included in the sale price and no interest charged on the mortgage. Mortgage length varies from seven to 30 years.
Forty-seven affiliates are listed for Missouri at http://www.habitat.org/local/ or check your local telephone book.
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[ Cover
| Table of Contents
| Introduction
| What are My Options?
| How Do I Qualify?
| Financial Eligibility
| Applying for Services
| When Can I Access Housing?
| What Do I Have to Pay?
| What if I reside in a Nursing Home?
| Affect the Number of Low Income Units
| Section 202
| Section 811
| Mainstream Housing
| Section 8
| Shelter Plus Care
| Housing Opportuntities for Persons with Aids
| Low Income Housing Tax Credit
| Home Program
| First Place Loans
| Home Down Payment Assistance
| Habitat for Humanlity
| Veterans' Affairs
| Fannie Mae Home-Choice Loans
| USDA 504
| Home Repair Opportunity
| Low-income Weatherization
| Show Me Loans
| Medicaid Waivers
| Missouri Property Tax Credit
| Other Agencies to Contact
| Information to Know: Agency Listing
| Glossary ]
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