A monthly payment for their no-interest mortgage averages $450+ a month (depending on family income). Those payments are then used by the affiliate to purchase more land and construction materials. Partner families invest more than money, they offer their own labor – sweat equity – into building their own homes and the homes of others.
Habitat houses are sold to qualified low and very income families at cost through no-interest mortgages. As home owners repay the mortgages, that money is used to buy more building materials to build more houses thereby creating a “revolving fund for humanity”.