affordable home ownership
program

Habitat for Humanity Windsor-Essex helps families build and buy decent quality affordable homes though a geared-to-income mortgage with payments set at less than 30 percent of gross income.

please note:
  • Habitat for Humanity Windsor-Essex receives many requests for assistance and while we strive to build homes we unfortunately are unable to assist all those that may qualify.
  • The build schedule may be subject to change based on funding, donations, volunteers and organization plans
  • Habitat for Humanity Windsor-Essex builds for family units with dependent children.  We appreciate the need for affordable home ownership extends beyond this criteria, however, our capacity is limited.

selection criteria

The initial stages of family selection reviews the following criteria;
  • The current living conditions of your family. You must be living in in Core Housing Need.
  • Your willingness to partner with HFHWE
  • Your willingness to complete 500 volunteer hours  either on your home build or in our ReStore.
  • Your Ability to pay a geared-to-income mortgage. This is assessed by evaluating:
    • Family Income.  The minimum family income is $35,000 per year.  The maximum income is dependent on the size of the family / size of the home.  The maximum family income for a 2 bedroom home is $46,000 per year, for a 3 bedroom home is $55,000 per year, and for a 4+ bedroom home is $71,000 per year.  The maximum income level utilizes the HILs (Household Income Limits) measurement for Windsor and Essex County. The number of bedrooms are determined by family size and Habitat for Humanity Canada standards.
    • Income stability with expectations of consistency for greater then one year
    • Solid credit and Level of Debt

This is a brief overview of the selection criteria. If you wish to move forward please complete the Expression of Interest below.

Please note:
As we have already selected the families for our upcoming Windsor builds, new expressions of interest will be considered for the Leamington 2025-2027 build seasons. We will re-open Windsor applications when our build schedule allows for it. 

  • If you wish to be considered for our upcoming Leamington build, please fill out the Expression of Interest below.

    expression of interest

    This expression of interest is for those families wishing to reside in the municipalities of Windsor, LaSalle, Amherstburg, Kingsville, Lakeshore, Essex, Leamington and Tecumseh.  It is within the boundaries of Essex County. If you do not wish to reside in one of these municipalities, please contact the appropriate Habitat affiliate in your area.  A list of Habitat affiliates can be found at www.habitat.ca .

    PLEASE COMPLETE ALL REQUIRED SECTIONS (NOTED BY A RED STAR) OF THIS EXPRESSION OF INTEREST. By completing this Expression of Interest application you are indicating that you are interested in homeownership with Habitat for Humanity Windsor- Essex (HFHWE).  This form is the first step in the application process.  HFHWE will review the information you provide to determine if you are eligible to apply for a Habitat home.  All information collected is kept confidential.
    name of applicant
    Name of Co-Applicant (If Applicable)
    address
    credit history
    family size
    total family income - monthly
    (Note: Ontario Works, Employment Insurance, WSIB and HST Returns are     not qualifying income sources. In addition only a portion of Child Tax Credits are considered.)
    family debt
    monthly expenses (If the expense is zero please type in 0 in the applicable box).
    monthly debt repayment please indicate how much you pay monthly for each of the following:
    present living conditions
    please click the submit button below to complete.

    If you are unable to fill out the form above and require assistance to complete the Expression of Interest, please use the form below or call 519-969-3762 ext 224.