home ownership

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: Due to the number of current applicants in process, new expressions of interest will be considered for the 2026 build season or beyond.

If you wish to be considered for a future build (2026 or beyond) 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

* Indicates required field

Choose Any *

Mr. Mrs. Ms.

Name *

First

Last

Name of Co-Applicant (If Applicable)

Choose Any *

Mr. Mrs. Ms.

Name *

First

Last

address

Address *

Line 1

Line 2

City

State

Zip Code

Country

Primary Phone *

Alternate Phone *

Email *

Which area are you submitting an Expression of Interest for? *

Windsor Anywhere in Essex County

How long have you lived at your current address? *

How long have you lived in Windsor-Essex? *

Name of Current Landlord *

Landlord's Phone Number *

Do you currently own a home? *

Yes No

credit history

Have you ever declared bankruptcy? *

Yes No

Has it been at least 3 years since your discharge? *

Yes No Not Applicable

If has been less than 3 years, how long has it been? *

family size

Number of Adults *

Number of male children *

Ages of male children *

Number of female children *

Ages of female children *

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.)

Employment Income *

ODSP *

Child Tax Benefit *

Spousal / Child Support *

C.P.P. / O.A.S. *

Other (please specify) *

family debt

Total Family Debt (Amount) *

Please explain what your debt is comprised of (i.e. student loans, car loans, credit card) and the amount of each. *

monthly expenses (If the expense is zero please type in 0 in the applicable box).

Rent *

Heat *

Hydro *

Insurance (Home or Contents) *

Water *

Hot Water Tank Rental *

Cable / Internet / Phone *

monthly debt repayment please indicate how much you pay monthly for each of the following:

Car Loan *

Car Insurance *

Personal Loan *

Student Loan *

Lines of Credit *

Credit Cards *

Payday Loan *

Other (Please specify) *

present living conditions

Do you live in inadequate or overcrowded living conditions? This may include parents sharing a room with a child, a parent without a bedroom, more than 2 children per room or opposite sex children sharing a room. *

Yes No

Do you live in unsafe or unhealthy conditions. *

Yes No

If yes, please explain the overcrowded or inadequate conditions in your current housing situation. *

If yes, please explain the unsafe or unhealthy conditions in your current housing situation. *

Is there any additional information you would like to provide? *

please click the submit button below to complete.

Submit

affordable home ownership
program

selection criteria

Please note: Due to the number of current applicants in process, new expressions of interest will be considered for the 2026 build season or beyond.

expression of interest

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.

contact us

our sponsors

affordable home ownershipprogram

selection criteria

Please note: Due to the number of current applicants in process, new expressions of interest will be considered for the 2026 build season or beyond.

expression of interest

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.

contact us

our sponsors

affordable home ownership
program