Homebuyer Responsibilities


Paterson Habitat for Humanity helps individuals and families achieve strength, stability and self-reliance through shelter. As active participants in building a better future for themselves and their families, qualified Habitat homebuyers are:


in need of housing

Potential homebuyers might be dealing with poorly made, unhealthy or inadequate housing; unaffordable rent; homes inaccessible for their disabilities or damaged by natural disasters; or have other shelter needs.


willing to partner

Habitat homebuyers put in hundreds of hours of "sweat equity" helping build their home and the homes of others in the program. This might also include classes in personal finances, home maintenance and other homeownership topics.

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able to pay

Habitat offers homebuyers an affordable mortgage. Their mortgage payments cycle back into the community to help build more affordable homes.

Where we build

We build primarily affordable, energy-efficient homes in the 1st and 4th Wards of Paterson. Types of housing and housing location are dependent upon our current projects.

affordable mortgage

With a Paterson Habitat for Humanity home, your monthly housing costs are no more than 30% of your total household income. Paterson Habitat offers 1% down payment, 30-year, 0% interest mortgage.

requirements for Paterson Habitat homebuyers:

  • Meet HUD established house hold income guidelines

  • Provide 1% deposit

  • Establish a monthly savings account

  • Complete 400 hours of sweat equity

  • Have no accounts in collection, no charge-offs or unsatisfied public records

  • No bankruptcies in the last 3 years

Required documents to be submitted with application:

  • Completed and signed homeownership application.

  • Tax returns for the past two years.

  • Signed Request for Transcript of Tax Return form (use form attached to your application).

  • Three credit reports (use the forms attached to your application or visit www.annualcreditreport.com)

  • One month of your most recent pay stubs.

  • Request for Verification of Employment.  Please fill-out top portion ONLY (use form attached to your application). 

  • Social security and birth certificates for all members of the family that will be living in the home.

  • Other documents will be requested as needed.