Buy a Home with Habitat

Myth: Habitat for Humanity gives away homes.
Fact: Habitat for Humanity provides a qualifying household the opportunity to purchase a home through an affordable mortgage. 

If you ever considered applying for the Habitat Homeownership Program, now is the time to take action and make your dream a reality. We are accepting applications* for Habitat homes in San Jose, Hayward, and Walnut Creek! *As of June 2025.

Homeownership comes with benefits that can transform your life. Unlike renting, owning your own home promises your family stability. Gone are the days of yet another move because a landlord increased your rent or failed to make a critical repair impacting your family's health. 

Gone also are the days of spending your hard-earned money on rent. When you become a homeowner and make monthly mortgage payments, you're building equity and investing in your family's financial future. 

With Habitat,  your goal of owning your own home is within reach—yes, even in the Bay Area! With applications currently* open for affordable homes in San Jose, Walnut Creek, and Hayward, now is the time to kickstart your family's future. *As of June 2025.

SEE AVAILABLE HABITAT HOMES!

Ready to apply for a Habitat home? See where we're building and how to apply to each development. 

San Jose, 4th and Reed
Quick Facts

• • This newly renovated building will have a total of four condos.
  • 1,100 square feet, two bedroom, one bathroom
  • Located steps away from downtown San Jose.

LEARN MORE ABOUT 4TH AND REED IN SAN JOSE

How to Apply for a Condo at 4th and Reed

1. 1. Make Sure You Qualify
      The four homes at Fourth and Reed will be sold through affordable mortgages to qualifying partner families earning very low incomes (up to 50% AMI) and low incomes (up to 50-80% AMI). Income qualification is one among a variety of factors we'll review when assessing applications for homeownership.
      
      Click here to read Habitat's Homeownership Program's qualifications and guidelines.
      
      
   2. Complete an Inquiry Form Online
      For this specific development, we ask interested applicants to complete an inquiry form online and a member of our Homeownership team will send you the application created for these condos. 
      
      Click here to complete this development's inquiry form.
      
      

Hayward, Sequoia Grove Development
Quick Facts

• • New builds, 10 townhome community
  • 1,340-1,550 square feet, three and four bedrooms
  • Energy efficient features and just steps away from BART

LEARN MORE ABOUT SEQUOIA GROVE IN HAYWARD

How to Apply for a Townhome at Sequoia Grove

1. 1. Make Sure You Qualify
      The 10 townhomes at Sequoia Grove will be sold through affordable mortgages to qualifying partner families earning no more than 80% AMI for Alameda County. The main areas we review for our Homeownership Program are income, credit, U.S. legal residency, and whether you are a first-time homebuyer. Bear in mind that our funding partner has additional application and partnership guidelines for Sequoia Grove, which differ slightly from Habitat's general Homeownership Program structure.
      
      Click here to read Habitat's Homeownership Program's qualifications and guidelines.
2.  
   1. Complete a Pre-Application
      You can submit a pre-application online or by downloading a pdf version to print and submit by mail.
      
      
      Complete a pre-application online or Complete a pre-application by mail
      
      
   2. Attend an Orientation
      All interested applicants should attend an online Homeownership Orientation. This 45-minute online presentation reviews our program's guidelines and application process. You'll learn what to expect when you purchase a home with Habitat and more. 
      
      Click here to register for our next home orientation.
      
      
   3. Complete a Full Application
      Once you submit a pre-application and attended an orientation, we can confirm you meet our program's guidelines and invite you to complete a full application.
      
      Keep in mind that only applicants whose FULL application is approved by the end of the summer will enter this development's lottery in partnership with the City of Hayward.

Walnut Creek, Esperanza Place
Quick Facts

• • New builds, 42 townhome community
  • One-, two-, three-, and four bedrooms
  • Energy efficient features and just steps away from BART

LEARN MORE ABOUT ESPERANZA PLACE IN WALNUT CREEK

How to Apply for a Townhome at Esperanza Place

1. 1. Make Sure You Qualify
      The remaining 19 townhomes at Esperanza Place will be sold through affordable mortgages to qualifying partner families and individuals earning no more than 120% AMI for Contra Costa County. The main areas we review for applications to our Homeownership Program are income, credit, U.S. legal residency, and whether you are a first-time homebuyer.
      
      Click here to read Habitat's Homeownership Program's qualifications and guidelines.
      
      
   2. Complete a Pre-Application
      You can submit a pre-application online or by downloading a pdf version to print and submit by mail. 
      
      
      Complete a pre-application online or Complete a pre-application by mail
      
      
   3. Attend an Orientation
      All interested applicants should attend an online Homeownership Orientation. This 45-minute online presentation reviews our program's guidelines and application process. You'll learn what to expect when you purchase a home with Habitat and more. 
      
      Click here to register for our next home orientation.
      
      
   4. Complete a Full Application
      Once you submit a pre-application and attended an orientation, we can confirm you meet our program's guidelines and invite you to complete a full application.