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Home Building Program | Habitat For Humanity Of Fulton County Ohio

Habitat For Humanity Of Fulton County Ohio

Eligibility

In order to partner with Habitat for Humanity of Fulton County, Ohio, you must meet or agree to the following criteria: You must be a Legal Permanent Resident of the United States. You must have lived or worked in Fulton County, Ohio for at least 12 months (limited exceptions may apply). Affiliates for other vicinities can be found at habitat.org. Your yearly GROSS income must fall within our income guidelines, which are adjusted for family size. Income includes wages, Social Security, disability, SSI, TANF and child support* *(if applicant chooses to include it as an income source). You must have one year of continuous income. If self-employed, minimum of 2 years of finalized tax returns must be submitted. It must be at least two years since you discharged any bankruptcies, and you must be making payments on your debts. Credit reports will be reviewed. You must have a need for housing because your current housing is: unaffordable, unsafe, overcrowded not your own (you do not have your own residence, IE: living with family/friend). You must partner with Habitat for Humanity and contribute "sweat equity," by: helping to build your home as well as other partners' homes, working Habitat events and activities, completing education requirements and meeting regularly with Habitat Staff and your Mentor, submitting necessary documentation throughout the partnership, including income, expense, sweat equity and other partnership monitoring requirements, volunteering in your local community. All applicants and co-applicants must complete a minimum of 250 hours each. Habitat will assist you in setting up your educational requirements and finding community involvement opportunities that meet your schedule and capabilities.

Required documents

See application packet for full document requirements. Income/Expense/Debt documentation required.

Hours

Hours vary

Fees

250 Hours of Sweat Equity, educational classes on budgeting and homeownership, an affordable no-interest mortgage paid back over a term decided at sale of the home to the Partner Applicant.

Service area

Fulton County, Ohio
Habitat for Humanity offers low-income families the opportunity to own a home. Becoming a Habitat homeowner requires commitment, responsibility and deep involvement. The Habitat program is not a "quick fix" to an emergency housing problem. Most partnerships are 6-24 months or longer before families move into their homes. The Habitat partnership is a Hand UP, not a hand out. You will work for what you receive and Habitat will commit to helping you succeed by providing opportunity for a positive future for you and your family. Most of Habitat's homeowners have experienced positive impact in areas of finance, education, health, safety and stability due to the affordability of their Habitat homes, along with a sense of belonging in their communities. Because everyone deserves a decent, affordable place to call home.

Last Verified

06/18/2026

Providing organization

Habitat For Humanity Of Fulton County Ohio
Habitat for Humanity of Fulton County, Ohio (HFHFCO or Habitat) builds and repairs homes in Fulton County, Ohio for people who need affordable housing and have little or no means to better their circumstances through conventional avenues. We partner with people who are willing to work for what they need, giving a hand up, never a hand out. This principle teaches skills so partners can provide for themselves and teach their children and grandchildren to do the same. Each project requires pay back of the project price (determined through set standards). These payments are affordable because no interest is charged. Project costs are kept low through donations and volunteer labor from those in our communities. Principal payments from partner-homeowners are used to fund the mission, but isn’t enough so we rely on donations, fundraisers and grants also. Habitat does not provide emergency housing; we provide a long-term, permanent solution to affordable housing issues, and minor home repairs/ramps for our must vulnerable community members, seniors and disabled individuals. We welcome applications for our programs regularly, which can be requested online or by contacting the office.

Data provided by

UW 211 Greater Toledo