Low-Cost Home Renovation Programs in Houston can feel nonexistent. But you’re not alone. Many homeowners in Houston need affordable housing options for home repairs and several housing programs can help. Houston has programs and opportunities that will offer help.
Houston has programs for low- to moderate-income homeowners. These housing development programs focus on repairs to make repairs safe and habitable. Repairs include fixing roofs, plumbing, electrical systems, and structural issues.
Some programs offer full home renovations in certain situations. Let’s look at a few options below for home renovation, single family housing, and community development programs.
Houston Habitat for Humanity is a well-known organization for safe and affordable housing. They have programs like the Critical Home Repair Program.
This program addresses roof and plumbing repairs. Another program is the Disaster Home Repair Program for disaster-related damages.
The City of Houston’s Home Repair Program helps homeowners with critical repairs. Funding may be limited so contact the program directly. Get current status and application information.
Harris County also has its own Home Repair Program. It serves very low to low-income homeowners. This county program focuses on fixing health and safety hazards like a leaking roof. Check out their program guidelines and more information about payment assistance and other initiatives.
Rebuilding Together Houston serves the community with free home repairs, often for elderly residents. They also support programs like Veterans Home Repair.
Sometimes additional resources can help with Low-Cost Home Renovation Programs in Houston. These can be helpful as you look into family housing.
Look into home renovation loans. These specialized loans fund repairs, sometimes with competitive rates.
United Way’s 211 helpline connects those in need with providers. They specialize in services beyond just finding a provider. They offer legal services and bereavement services.
They serve Texas. This makes them a resource for those looking for single family housing in rural development areas of Harris County and beyond.
Eligibility varies by program. Typically it’s income limits, home ownership status, and property location (rural vs. non-rural). Some programs prioritize senior citizens, families with children under 18, or people with disabilities.
Several programs in Houston assist low-income families. This includes programs run by the City of Houston and Harris County. Houston Habitat for Humanity and Rebuilding Together Houston also have income-based programs for lower-income homes.
Finding low-cost Home Renovation Programs in Houston takes time but help is available. By looking into the options and resources, homeowners can find help they need. Check out the resources that focus on housing programs, property taxes, and payment assistance for more information about living options. Be patient, these programs can get you to live safely and affordably.
Finding affordable housing is hard for many families. So here’s the question: how does Habitat for Humanity choose where to build? It’s not random, many factors go into where they build, from local community needs and county land availability to national and international initiatives. This article covers the process for local projects, including their home ownership program and sweat equity.
Habitat for Humanity operates through local affiliates. These affiliates like Houston make many local area-build decisions.
These decisions impact the communities served. Habitat for Humanity Affiliates often work on projects for years to make a positive impact in the areas.
Here’s a closer look at how this decision-making process works for each habitat house.
Each local HFH first determines the service area’s need for affordable housing. This step involves gathering data and insights to understand the local housing market.
HFH looks at:
This type of assessment allows us to target the most critical areas so that we can allocate resources where they will have the greatest impact. By understanding the specific challenges in the service area, HFH Houston can develop solutions to address the affordable housing shortage.
Finding land is another big challenge in affordable housing. Ultimately, building even simple homes comes down to land availability and cost. The scarcity of land drives up prices and makes it hard for us to build affordable homes.
The cost of land is a big part of the total cost of construction. In many areas, the cost of land is so high it’s a big chunk of the total project cost. This leaves developers with a limited budget for actual construction and makes it hard to build affordable well-built homes.
Land availability is another factor that affects our ability to build affordable homes. In many cases, land is scarce and what’s available is reserved for more lucrative projects. This scarcity of land forces developers to look for alternative locations that may not be as desirable and further reduces the affordability of the homes.
Zoning and regulatory issues can also limit land. Strict zoning laws and regulations can restrict the use of land and make it hard to build. And the long and sometimes costly approval process can further increase the cost of land acquisition making it even harder to build affordable homes.
This way HFH can overcome land problems and use our resources better to make a bigger impact in our community.
HFH projects rely on local volunteers, donors, and established community partnerships. These are the pillars of support for a long-term project.
Local volunteers bring expertise and knowledge to a project. They know the local culture, customs, and needs and are invaluable in identifying the most pressing issues and developing solutions.
Donors provide the financial resources to fund HFH projects. Their support helps us buy land, build homes, and provide services to families in need.
Established community partnerships are key to mobilizing resources and expertise. These partnerships help us leverage the strengths of local organizations, businesses, and government agencies to make projects more efficient and effective.
By building relationships with local volunteers, donors, and community partners, HFH projects can have long term impact on families and communities. This collaborative approach creates a sense of ownership and responsibility so projects continue to thrive long after launch.
While local affiliates have decision making power, Habitat for Humanity Global provides guidance and principles.
These broader factors further inform build location decisions. HFH’s overall strategy allows us to adapt to different environments.
HFH Global coordinates local projects with national housing goals. Local construction requirements, land zoning, and permit regulations also influence where we build.
HFH affiliates comply by adapting to existing regulations thereby contributing to overall housing stability. Their goal is to find the right locations and navigate local regulatory environments to build the most efficient and sustainable way possible.
HFH is a global nonprofit in over 70 countries including the USA. Our mission is to increase access to decent, sustainable, and affordable housing through community development.
Our focus on home ownership drives where they build and purchase land strategically to achieve HFH goals.
HFH looks at many factors to help with home buying such as land availability, community needs, and local regulations. Local community support from individuals and businesses is needed to get build approval.
National and international HFH objectives and the success of our planned giving programs also influence location decisions so our local efforts align with our global missions.
No, homeowners purchase their homes with an affordable mortgage and put in “sweat equity” hours building alongside other Habitat for Humanity home buyers.
Monthly mortgage payments will apply and payment of a mortgage will be no different than paying any conventional mortgage lender. However, payments will be smaller since these will be smaller affordable housing projects.
Habitat builds homes worldwide. Projects in the US range from small builds to large planned communities. You can find out about active projects through your Houston HFH affiliate.
HFH chooses families based on need, willingness to partner with us, and ability to repay an affordable mortgage. The process involves an in-depth look at finances such as requesting tax information through the IRS website, verification of data submitted such as postal address, email address, and work telephone number, and comparing work telephone with any official documentation.
HFH’s site selection is a thoughtful process that considers community needs, local land cost, local partnerships, national goals, and international initiatives. By balancing community-driven factors with broader goals, HFH serves an often overlooked population but also leverages programs to help potential homeowners become more invested in themselves.
Local chapters rely on community support and partnerships with municipalities and private organizations to secure land and reduce costs. Local affiliates often plan and fundraise two or more years in advance of construction.
HFH Houston brings stability to families and neighborhoods and is committed to helping families in need become homeowners. Learn more and partner with Houston HFH today.
It’s income tax time, and you’re prepping for homeownership. Here are 4 tips to consider when preparing your 2024 income tax return including why you shouldn’t claim a business loss when applying for a mortgage loan.
Claiming a business loss on your income tax return can negatively impact your ability to qualify for a mortgage loan. Here are a few reasons why:
It’s always a good idea to consult with a mortgage advisor or tax professional to understand how your specific situation might be impacted.
While many people have a specific dream home in mind, it’s important to purchase a home that is safe, well-built, and within a mortgage you can afford.
Housing is where the majority of Americans spend their income, and prices are on the rise. Affordable housing has trended toward smaller homes due to the many associated cost savings. As of September 2024, the median listing price per square foot in Texas is $187, reflecting a 35.8% increase over seven years.
So, what size house is best for you? First, determine how many people will live in the house full-time. Next, consider the monthly expenses for your home, including mortgage, insurance, and utilities. Balancing these factors will help you determine the ideal size for your new house.
What exactly is a “small house”? The average house in the United States is 2,500 square feet. Anything below that is considered “smaller.” (This differs from tiny homes, which are generally 500 square feet or less.)</p?
A small house can be an excellent option for those interested in minimalism, energy conservation, downsizing and specifically, first-time homebuyers. Small homes allow young individuals to experience all the responsibilities involved with homeownership without breaking the bank.
Heather Higgins, a New York based designer who frequently handles projects in the 1,000-square-foot range, says, “Requiring less time, energy, and money, smaller living spaces provide greater lifestyle flexibility.”
In addition to freeing up time, smaller homes offer numerous benefits:
Some people believe “bigger is better,” while others have reservations about smaller houses. Below are common hesitations and solutions:
In 2024, newly built homes got smaller for the first time in decades. Home sizes peaked in 2021 when the pandemic forced many people to work from home and additional space was needed. According to the U.S. Census Bureau, the average square footage of new housing units dropped from 2,500 square feet in 2021 to 2,300 square feet in 2024.
Stagnant wages, coupled with rising building and labor costs, are driving homeowners toward smaller homes. In Texas, where the minimum wage has remained $7.25 per hour since 2009, economic pressures are significant. For instance, in Houston, a standard no-frills bathroom sink cost $44.24 in 2022 but increased to $48 by 2024.
Less square footage translates into big savings. To calculate potential savings, add up your current monthly housing expenses (mortgage, utilities, insurance, and maintenance). Compare this total to what you’d spend on a larger house by doubling or tripling the amount. The difference shows how much a smaller home can benefit your finances.
A home’s size doesn’t limit its potential for comfort or style. Many no-cost and low-cost strategies can make a small home feel spacious and luxurious:
Interior designer Dustin Gerken of Dustin Gerken Design says, “One of the most valuable commodities in a residence is floor space. Use the illusion of spatial depth to your advantage by pulling furniture off the wall to add shadow and gradient to the wall behind it.”
Visit both Houston Habitat for Humanity ReStore locations to find great deals on beautiful new items for your home. Stock is always revolving to check often!
In short, yes. Increasing costs and a stubborn housing market have made smaller houses more appealing. While it might not be your forever home, buying a smaller house is a crucial step toward greater financial stability and future housing options.
Everything possible in a large house is an option in a smaller home! First-time homebuyers benefit from lower prices that require smaller down payments and monthly mortgage payments. A smaller home leaves more room in your budget for higher-quality furniture and home improvements. You can invest in durable, long-lasting items rather than cheaper alternatives, saving you more money in the long run. Using creativity and a little bit of the ever-increasing savings made from this decision, the design and feel are completely up to you. Reduced utility costs are also a major benefit – air conditioning a smaller home during Houston’s summer heat can add up to big savings!
Plus when you get ready to sell your home, you are in a positive financial position. Home prices typically depend on the square footage and size of the house. Smaller homes often attract a broader range of buyers due to their affordability, making them more likely to sell.
Virtually tour some of our Habitat Homes, explore the possibilities, and start your journey toward homeownership today.
In a blog post from earlier in 2024, we busted 11 myths commonly associated with Habitat for Humanity. One belief, however, deserves its own post. Of those who have considered working towards a home with Habitat for Humanity, some have decided otherwise with the assumption that they make too much income to qualify. This self-sabotage is a mistake! Before supposing you make too much money for a habitat home, keep reading to learn about the income guidelines. Habitat homes are designed for workers with a dependable job living in an unaffordable area.
Much of HFH information is available in both English and Spanish! Don’t let language get in the way of homeownership. ¡Nuestra información estádisponible tanto en inglés como en español! No permita que el idioma se interponga en el proceso de ser propietario de una vivienda.
Homeownership Program Criteria is grouped into several categories. First, answer these questions. Do you live in overcrowded or substandard housing? Do you pay more than 30% of gross income on rent and do you live in an unsafe and/or unsanitary neighborhood? If yes, then are you a US Citizen or do you have permanent residency status? If yes, are you willing to partner with Houston Habitat for Humanity to put in up to 250 hours of “sweat equity” (more on this later), and complete pre-purchase and post-purchase programs which include financial counseling?
If ‘yes’ was your answer to the above questions, then Houston Habitat for Humanity income requirements are up next for review. For a family of one, the minimum income requirement is $33,150 and the maximum income is $53,000. (No, you don’t have to be married or have children to be eligible). For a family of four, the minimum income requirement is $47,300 and the maximum income is $75,700. For a family of seven, the minimum income requirement is $58,700 and the maximum income is $93,900. Information about Houston Habitat for Humanity income limits are listed on our website for family size, ranging from one person to eight people. These numbers are based on the Area Median Income (AMI) for Houston, The Woodlands and Sugar Land as reported by HUD.
The final aspects of a Habitat homeowner are a satisfactory credit score, and having the ability to afford monthly mortgage payments, including escrow and insurance. The next section in this post contains information about credit and raising your credit score.
A credit score is a three-digit number based on the information in your credit report, a detailed history of credit cards used and loans received. Credit scores may account for the number of years you’ve had credit, how much of your available credit you’re using, if late payments have been made, and any recent negative actions or credit applications. A lower credit score can cause higher interest rates.
Federal law allows you to get a free copy of your credit report every 12 months from each credit reporting company. Check your credit here or here for free. Usted puede solicitar una copia de su informe crediticio (gratis y enespañol) de cada una de las tres principales agencias de crédito: TransUnion: Llame al 800-916-8800, Equifax: Visite el enlace o llame al 888-378-4329, Experian: Haga clic en el enlace o llame al 888-397-3742.
Looking to improve your credit? Dispute inaccurate information on your credit reports, keep debts low, make on-time bill payments, retain your oldest account, and avoid applying for new credit accounts.
Sweat equity is “contribution to a project or enterprise in the form of effort and toil”. Partnering with Habitat for Humanity requires sweat equity, which can take multiple forms for future homeowners. “Sweat equity is a transformational experience for families and a cornerstone of our homeownership program,” says Sonia Lee, director of homeowner and mortgage services at Habitat for Humanity International. “The skills and knowledge gained through activities like volunteering on a build site…help set new homeowners up for success long-term.”
For those physically unable to do construction, Habitat allows on a case-by-case basis, clearing debris from build sites, working as a greeter or helper at a Houston Habitat ReStore, or other lower-impact tasks.
Not sure if you are eligible per Homeownership Program Income Guidelines?Just apply to see if you qualify. For those who didn’t make it through a few years ago, the monthly income numbers are different now. And keep applying if you don’t make it today; qualifying thresholds can shift in another year or two.
Prepare, then apply in English or Spanish and submit your documents. Upon application completion and receipt of required documents, Houston Habitat will begin the review process. Applicants are generally notified of their acceptance into the program 60 days after review. For those who do not meet Houston Habitat for Humanity’s criteria for affordable mortgages and are not selected for the program, an informational letter will be sent.
Habitat wants you and your family to have safe, affordable housing. We diligently follow a nondiscriminatory policy aligned with the Fair Housing Act and Equal Credit Opportunity Act, which dictates that race, sex, color, national origin, religion, familial status, age, marital status, disability and/or income from public assistance are not factors in choosing homeowners. Join our Virtual Homeownership Information Sessions to learn more about our program individually, or gather a group of 10 people or more to schedule a free 60-minute virtual information session with us. We are happy to answer any questions via email familyservices@houstonhabitat.org or phone 713-671-9993 x287, and look forward to walking beside you on this journey to meet all the qualifications for a Habitat homeowner!
There are lots of questions about buying a home for the first time. Here are four of the most commonly asked questions about home buying, as they apply to Houstonians in 2024:
Information about interest rates is not something most schools teach. Therefore, many adults looking to buy a house have thoughts such as “How do interest rates actually work?”, “How are interest rates calculated?”, and “What is a good interest rate?”.
First, what is interest and what is an interest rate? Interest is the price you pay to borrow money. When borrowing money, the original amount borrowed must be paid back, plus a certain percentage of the total loan amount. This certain percentage is the interest. The exact percentage applied to the borrowed money is the interest rate.
An interest rate is determined by several factors, and each lender uses different factors. Some considerations when deciding an interest rate are credit scores, income, length of the loan (longer will have a higher rate), as well as economic trends which no one person has control over. Understanding interest rates is important because higher interest rates mean paying more money over time. For example, a $200,000 loan with an interest rate of 4% simple interest means the total amount paid back to the lender is$208,000. This is the original amount of $200,000 plus $8,000 (which is 4% of $200,000).
What is considered a good interest rate can change almost daily, so be sure to do your research and keep tabs on which direction rates are heading. In mid-2024, a good home loan rate was 6.17% for a 15-year fixed loan, while 6.89% was a good rate for a 30-year mortgage, according to Freddie Mac’s weekly survey. Referencing the example above, a $200,000 loan would have to be paid back as $212,340 over 15 years and $213,780 over 30 years.
One of the benefits of working with Habitat for Humanity is that they are able to negotiate with lenders to secure a mortgage that fits your budget, often below current fixed mortgage interest rates, and making certain you can afford your mortgage.
In the world of home buying, being a first-timer can have many benefits, such as lower interest rates. That is why it is important to know if you can be considered a first time home buyer. There are more variations of this title than one might think. Did you know you can be a first-time home buyer more than once?
As a few examples of accessible assistance, there is a Texas first home buyer program, while certain occupational groups can receive special bonuses for being first-time home buyers. For those identifying as the following, research what additional benefits are available to you: veterans, service members, educators, firefighters, EMTs, law enforcement, doctors, and nurses. Spending time reviewing all possible avenues of support can save major money in the end.
Houston Habitat for Humanity offers equal opportunities to all. Applicants receive consideration for home ownership without regard to race, color, religion, national origin, sex, disability, and familial status. This means a single person can get a Habitat for Humanity home as likely as a married couple, a single parent, or a multiple person household.
Many U.S. households spend a large portion of their income on housing, meaning they have less money for other essentials like food, clothing, transportation, and healthcare. For those without the benefit of a second income from a partner, many single people carry the full weight of expenses alone, including emergencies. For a 1-person household, the income requirements are $33,150 minimum and $53,000 maximum. The single home buyer must also demonstrate a need for shelter, a good credit score, ability to pay, have a willingness to partner, and be a legal resident 18 years of age or older.
When looking to establish a permanent home in Houston, many consider location to be a top priority. Houston is a very large city with many diverse neighborhoods and communities and location can often be the biggest factor in determining the price of a house.
So what are the top neighborhoods for settling down in Houston?
Robins Landing is one of Houston’s newest perfect neighborhoods featuring 460 single-family homes on 127-acre property full of amenities in North Houston. It is also Houston’s first affordable master-planned community, featuring stormwater infrastructure, a childcare center, healthcare, banking, a library, and onsite green spaces and trails. Single-family houses in Robin’s Landing feature 3 or 4 bedrooms, 2 bathrooms and range in size from 1,100 to 1,400 square feet. Robins Landing is ideal for those looking for a walkable and family-friendly neighborhood.
The historic Settegast neighborhood is another affordable place for those looking to own. Houston Habitat has been working to revitalize this neighborhood by building new homes and repairing numerous homes damaged by Hurricane Harvey. Long-time and new residents are highly committed to maintaining and improving their neighborhood. This includes multiple beautification projects and a community garden! If you are looking for a strong community vibe, check out Settegast.
Want more? Below is an alphabetical listing of additional affordable areas in Houston to consider.
The home-buying process can feel overwhelming, but you don’t have to navigate it alone. Houston Habitat for Humanity is here to support you on your journey to homeownership. Join countless Houstonians who have built and purchased homes of their own. Begin by taking our Homeowner Eligibility Quiz—it’s the simplest way to see if you qualify to become a Houston Habitat homeowner. The screener, available in both English and Spanish, takes just 15-20 minutes to complete. Be sure to have your financial, debt, and living information ready. There’s no limit on how many times you can apply, so take the first step today for a brighter tomorrow!
Owning a home means responsibility. Homeowners must pay bills and taxes keep up with maintenance and common repairs to the structure, HVAC, electrical, plumbing and more. Being timely with repairs to the home is beneficial in many ways, such as maintaining the highest levels of security and functionality, maintaining the property’s value, and preventing minor issues from becoming major problems, like a small leak becoming a whole wall teardown.
Sometimes, homeowners cannot afford repairs, and repair assistance is needed. Below is information about grant programs, tips for upkeep, senior home repair programs and veterans home repair grants. Bookmark the page and share this blog with anyone you think could benefit!
According to Consumer Affairs, plumbing and air conditioning systems are the top two most common fixes a Texas home needs. After those are refrigerators and smoke detectors, and lastly, general electrical and water heater issues. A 2021 survey found that 77% of new homeowners will experience an “unexpected issue” that needs repair during the first year of homeownership.
Deferred maintenance, or holding off on needed repairs, often becomes more expensive in the long run once the work becomes critical and needs to be done. Research shows that delaying maintenance can potentially increase costs by as much as 600%. Increasing costs aren’t the only issue; a lack of energy efficiency and possible safety hazards can arise when waiting on repairs. If you need time to figure out how to pay for home repairs, here are tips to decrease the impact of deferred maintenance.
A good way to save money overall is by doing minor fixes yourself. The internet has free, helpful step-by-step videos and instructions by the barrelful for easier and smaller tasks such as patching wall holes and cracks, fixing leaky faucets, and changing an electrical socket. These resources are available in a wide variety of languages and skill levels.
Once you feel more confident, visit a Houston ReStore to pick up affordable tools and materials for your project at a fraction of retail prices!
Another way Houston Habitat for Humanity provides assistance is through its active home repair program which preserves existing affordable homes for low-income individuals and families in Houston, TX. This home repair program is a big part of Houston Habitat’s mission and benefits the Houston community by slowing neighborhood character change or gentrification within the city.
The Housing Construction and Inspection services, within the Housing and Community Development of Harris County, provide financial and technical assistance to make emergency repairs to the homes of very low- to moderate-income homeowners at their primary residential property. Further, the Harris County Home Repair Program provides financial assistance via a grant or deferred payment loan to qualified homeowners needing major rehabilitation and repair or replacement of water wells and septic systems. Remember to review these government home repair grants and loans carefully before applying.
In Texas, seniors (those aged 65 years and older) benefit from property tax deferral, Medicare and Social Security options, senior community services such as AAA, and the Silver Alert program. Houston Habitat for Humanity also has a Senior Repair program. This provides effective and sustainable solutions for elderly homeowners to be able to age in their own comfortable homes. Houston Habitat uses the Housing Plus model and Aging in Place strategies when working with older adult homeowners. Housing Plus includes two assessments to ensure a complete understanding of the low-income senior population in Houston and Harris County.
Houston Housing Authority also offers assistance through the Old Adult Home Modification Program (OAHMP). OAHMP focuses on low-cost, high-impact house modifications such as the installation of adaptive equipment such as a temporary ramp, risers for chairs and sofas, non-slip strips for tub/shower or stairs, raised toilet seats and tub/shower transfer benches to enable older adults to remain safely in their homes. This program primarily relies on the expertise of a licensed occupational therapist to confirm the home modifications to address the individual’s specific needs and goals, while promoting full involvement in daily activities.
Houston Habitat is a proud member of the Habitat for Humanity Repair Corps. This means we offer repairs to the homes of low-income veterans as part of our dedication to supporting and honoring the veteran community. Our organization is generously funded by The Home Depot Foundation, which enables Houston Habitat for Humanity to help veterans build strength, stability, and independence through disabled veteran home repair help with owner-occupied homes. Another veteran perk: all U.S. veterans receive 10% off at both Houston Habitat for Humanity ReStore locations with a valid ID!
The Veterans Land Board also has a Home Improvement Program, which provides loans of up to $25K for repairs on Texas primary residences: single-family dwellings, condominiums, duplexes, triplexes, or four-plexes. These loans are available for veterans and military members who are over 17 years of age and a legal state resident, plus an active duty military member, a member of the Texas National Guard, a reserve component military member having completed 20 qualifying years for retirement, a veteran having served at least 90 active duty days unless discharged sooner due to a service-connected disability and not discharged dishonorably, or a surviving spouse of a Veteran listed as missing in action or whose death was service connected. Learn more on the Texas Veterans Land Board website, under ‘Loans’.
Check out our dedicated blog post about Home Repair Steps after Storm Damage. It lists information on how to assess damage, what permits are needed for reconstruction, and how to choose the best contractor for work outside of the do-it-yourself scope.
Planning and preparing for routine home repair is an important project that pays off in the long term. Before doing the repairs, check your eligibility for government-assisted programs and bookmark websites with free information on DIY home repairs. Easiest of all, follow our success stories and read more about Houston Habitat for Humanity Home Repairs to see what is best for your home and your family!
Current Habitat for Humanity homeowners, those who have applied to Houston Habitat, and those who are interested in becoming a homeowner are a diverse community. Families, veterans, seniors and refugees who all come from different backgrounds and experiences yet are alike in their passion for homeownership. After working closely with Houston Habitat for Humanity staff and putting in their sweat equity, owning a home becomes a reality. And each homeowner’s relationship with Habitat extends past home purchase. Houston Habitat for Humanity stays connected to homeowners with follow-up engagement, commonly known as Post Purchase Support.
Maintaining a home requires responsibility, knowledge, and resources. Houston Habitat understands the challenges of being a homeowner, so we work to help before, during, and after the purchase process. Post-Purchase Support begins when someone officially becomes a homeowner and is focused on financial education, homeowner resources, and community support. Use of post purchase resources makes for successful long-term homeownership and is a key part of the Habitat homebuyer process.
Once qualifying, applying, building, and house closing is complete, a colorful ribbon is cut and a homeowner is officially made! After this point, all Habitat homeowners must pay their mortgage and bills each month. This is also the time when post-purchase support begins. Houston Habitat staff provide homeowner assistance with understanding property taxes and how to purchase homeowners insurance, as well as ongoing mortgage questions, access to resources for financial services, repair, and community education.
Everyone needs help understanding the best ways to utilize their money. With this in mind, Houston Habitat for Humanity integrated financial education and referral resources into its post-purchase support. Houston Habitat offers information about ways to prevent mortgage default, such as foreclosure prevention and avoiding predatory lending, identity theft and credit card fraud. Assistance with refinancing, delinquency, and crisis situations is also offered.
A home of your own is a wonderful thing and keeping it as new as when it was built takes effort. Houston Habitat for Humanity provides checklists plus guidance on maintenance and basic repairs, as well as information about energy conservation, regional landscaping and seasonal upkeep. Home warranty coverage is very accessible and comes in increments of 1 year, 5 years, and 10 years. A listing of recommended contractors is also offered to homeowners as well as personal assistance with homeowner associations (HOAs). Some Habitat homeowners even qualify for minor repair programs funded by grants.
For the DIYers, Houston has two ReStore locations with cost-effective materials and supplies for maintaining a home. These home improvement stores sell new and like-new furniture, lighting, glass, paint, plumbing, roofing, tools, doors, fans, windows and more at lower-than-average retail prices. We post regular promotional codes for extra savings – follow us on Instagram!
The third tier of post purchase support is the connection between community engagement and homeowners. Houston Habitat for Humanity aids with clean-up days and revitalization projects, such as neighborhood fencing and building neighborhood gardens like the Settegast Community Garden.
Habitat events are popular too: for example, year-round home dedication ceremonies and autumn Truck or Treat gatherings are open to all to attend! What’s more, many homeowners choose to volunteer with Habitat on future builds, while continuing to spread the word to others about Habitat services. Some seasoned homeowners have even offered to assist new families with the process!
Houston Habitat for Humanity truly backs homeowners, beginning from the very first inquiry. Ready to start? Take the eligibility quiz. Have a Habitat home and need financial education, homeowner resources, or community support? Reach out to us directly to request support or plan to attend a Post Purchase Workshop. Your homeownership success is our priority!
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Despite a devasting storm blowing through Houston two days prior, Saturday, May 18th, Houston Habitat for Humanity hosted the grand opening of Robins Landing, our new, mixed-income community and development featuring affordable home prices and highly coveted amenities. If you were unable to make it to the party, here’s a recap of the exciting day, along with information on how to tour a model home and apply to become a homeowner in this beautifully designed neighborhood.
Located in Northeast Houston and developed by Houston Habitat for Humanity, Robins Landing is the city’s first affordable master-planned community which is also walkable and transit-friendly. Created for mixed-incomes and all generations, homeownership of these beautiful high-quality, energy efficient homes include access to essential services as well as onsite green spaces and trails. The 127-acre community of Robins Landing is planned to include over 460 single-family homes and up to 500 apartments and senior housing units.
The family-friendly grand opening had model homes open for touring, plantis for the taking, live music playing, local food trucks with delicious treats, and a resource fair for all attendees. Kids happily enjoyed the onsite playground and got their faces painted in all sorts of creative ways! This event celebrated the opening of the first section of the Robins Landing community, which is designed specifically to be affordable to people of all incomes. “This used to be nada, nothing,” said Houston Habitat’s chief executive, Allison Hay, as she led a tour of the subdivision which, until recently, was unused land filled with weeds, grasses and forest.
Work began on this Houston Habitat land in February 2022. Today, there are sidewalks, picnic tables, a pond and pavilion, and freshly laid streets which are being enjoyed by the families who have already moved into their new homes here. Currently, Habitat homes that are available at Robins Landing are single floor homes that consist of three and four bedrooms with an attached car garage and a nice fenced yard. 3 and 4-bedroom single family homes with attached two-car garages are available. Robins Landing is a project which goes beyond city of Houston requirements; designed with extensive community input and knowledge from past experiences, residents can expect capable stormwater infrastructure, a childcare center, healthcare, banking, a library and further community-supporting services. Also a resilience hub, which will be a space for residents to obtain necessary services like food assistance and community education, and to connect with resources during emergencies like extreme heat, flooding, and/or power outages.
Planning for Robins Landing features include trail connections to nearby parks, a fruit and nut orchard, a commercial-grade community kitchen for residential rental, and a branch of the Houston Public Library. These endeavors are tied to Houston Habitat’s commitment to sensibly priced commercial real estate as well as reasonably priced homes where families can flourish. Plans are underway for a bank, a health clinic, and a makerspace.
Out of the 468 single-family homes, 100 will serve those who make as little as 50% of the area median income(AMI) up to 80% AMI. Three hundred homes will be affordable to families making up to 120% AMI or up to $90,800 for a family of two. The median household income in the census tract is roughly $37,000, according to census estimates. Additionally, 68 single-family homes will be sold at market rates, which are currently around $225,000 to $330,000 for homes in area newly developed subdivisions, according to Community Builders Advisory Services, which collects data on new construction.
By carefully choosing materials and energy efficient building methods, Houston Habitat builds homes that are safe, healthy, environmentally friendly and have low costs to own and maintain. Habitat homes have nine-foot ceilings, energy-efficient appliances and a wheelchair-friendly design, such as ramps inside the garage, three-foot-wide doors and reinforced walls where homeowners could install grab bars. Further, the homes are Energy-Star certified and utilize Fortified roof standards.
Robins Landing is located on Tidwell Road, east of Mesa Drive and inside Beltway 8, nestled between the lush Harris County Greens Thicket and Houston’s newly renovated Brock Park. Associated Houston ISD Schools are North Forest High School, Forest Brook Middle School, Hilliard Elementary School, and Fonwood Early Childhood Center. Associated KIPP Schools are KIPP Legacy Preparatory School, KIPP Northeast College Preparatory, KIPP Polaris Academy for Boys, and KIPP Voyage Academy for Girls.
Houston Habitat for Humanity purchased raw land and added infrastructure for the entire project, including clearing and grading, installing sewers and utilities, and creating streets, curbs, residential building lots, and commercial pad sites. Robins Landing is designed to meet standards derived from Atlas 14, the post-Harvey rainfall study which interprets historical data to predict future rainfalls. These standards, which are implemented throughout the project’s development, exceed the City of Houston’s building code requirements, will not contribute to more flooding, and aim to help mitigate future potential flooding.
Everyone deserves a decent, affordable place to call home plus reasonable access to the resources needed to successfully live, work, and play throughout their life. Through Houston Habitat’s homeownership program, families obtain affordable homeownership, which creates an environment of strength, stability and independence. See if you are eligible to purchase a Houston Habitat home, learn about the steps and begin your application to become a Houston Habitat Homeowner. Your place in Robins Landing awaits!
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After dreaming of homeownership, the next step is making it a reality, which can be confusing. Many questions pop up for those beginning the process, like how much do you have to put down on a house? What to know about buying a house in Texas? What is a “First-Time Home Buyer”? Where to find home buying help in Texas?
Houston Habitat for Humanity is here to support you! Below is a guide to available homeowner down payment assistance programs in Texas.
If you are, or would like to be, a good place to start is to see if you qualify for a first-time homebuyer program, loan or assistance. Two major benefits of being a first-time homebuyer is that requirements are typically more flexible than traditional programs, and many options are available.
The average listing price for homes in Houston was $334,000 in February 2024. That number dropped 3.2% year-over-year, according to realtor.com. At today’s home prices, making a down payment in Houston, Texas might cost $10,020 for 3% down payment, or $66,800 for 20% down payment.
Texas has its own homeownership assistance programs and grants designed especially for those who call the Lone Star state home.
● Houston Habitat for Humanity – through volunteer labor, builds and rehabilitates houses for families in need. Start here to see who is eligible to apply!
● NACA – provides comprehensive counseling and access to its Best in America mortgages for affordable homeownership for low-to-moderate income people.
● Texas Department of Housing and Community Affairs programs help moderate- and low-income families achieve homeownership in Texas via two programs: My First Texas Home program and the My Choice Texas Home loan.
The Texas State Affordable Housing Corporation (TSAHC) is a nonprofit organization created by the Texas Legislature to help Texans achieve homeownership. The “Home Sweet Texas” Home Loan Program starts with an eligibility quiz, then information about qualifying TSAHC programs. The next step is contacting an area participating lender and links for applying for a mortgage interest tax credit. These DPA programs are down payment assistance Texas grown!
A down payment is the money paid upfront to complete a real estate sale. Down payments are typically a percentage of a home’s purchase price and can range from 3% – 20% for a primary residence. For example, if a home costs $100,000 and a down payment of 5% is required, then $5,000 must be paid at the time of purchase.
Down payment assistance (DPA) is a general name for financial help for homebuyers. These programs reduce the amount needed to be saved for a home’s down payment. Available options for DPAs include loans for repayment with low or no interest, forgivable loans, and monetary gifts which never have to be repaid.
The City of Houston Housing and Community Development provides a no-interest, forgivable loan (secured by a lien) of up to $50,000 to income-qualified residents for first-time homebuyers inside the city limits through their Homebuyer Assistance Program.
Qualifications to be met are household income at or below 80% of the Area Median Income, first-time homebuyer (or have not owned a home in the last 3 years), U.S. citizen or permanent resident, and the home for purchase be eligible to pay taxes to the City of Houston. The loan is fulfilled if the buyer lives in the home for five years.
Another option is through the Harris County Community Services Department’s down payment assistance, which assists with home buyers looking in the unincorporated areas of Harris County; this support excludes homes within the official cities of Houston, Baytown, or Pasadena. Qualifying criteria includes a credit score of 580 and successful completion of an 8-hour homeownership education course.
Houston Habitat for Humanity homes “will be in these areas in the near future”, according to Cassandra Robinson-Bacon, Homeowner Services Director. Learn more at a Virtual Home Ownership Fair and get ahead of the curve with this option!
Special programs are set up for service professionals such as teachers (Pre-K through 12th grade), law enforcement officers, firefighters, and emergency medical technicians. The Good Neighbor Next Door program, overseen by the U.S. Department of Housing and Urban Development (HUD), works with these groups to buy a home in a “revitalization area” for 50 percent off and live in it for at least three years.
TSAHC has a similar program for school teachers, teacher aides, school librarians, school counselors, and school nurses, plus police officers and public security officers, firefighters and EMS personnel, veterans or active military, county jailers, peace officers, correction officers and juvenile corrections officers, public security officers, and nursing faculty and allied health faculty. The “Homes for Texas Heroes” Program is a gift with no repayment needed and no requirement to live in the home for a minimum time.
For veterans and service members, the Veterans Land Board Housing Assistance Program (VHAP) could provide low-interest loans to buy a home or land. VLB loans frequently do not require a down payment. If the loan term is between 15 and 30 years, up to $726,200 can be borrowed, and veterans with a VA disability score of 30% or higher are eligible for lower interest rates. Property criteria applies, such as a construction finish date of at least five years for a multi-family property.
Native American veterans and their spouses may be eligible for the Native American Direct Loan (NADL). The NADL program has no down payment requirement, limited closing costs, and a low-interest, 30-year fixed mortgage. This loan type is also a reusable benefit, meaning you can get more than one NADL to buy, build, or improve another residence in the future.
Everyone can benefit from more knowledge! Online resources are offered to anyone looking for more information.
Examples can be found at the Texas Department of Housing and Community Affairs; this course walks through three important phases of the home buying process: preparing for homeownership, financing and purchasing. The Texas Mortgage Credit Certificate is also offered. This may allow for a valuable tax credit when applying for a mortgage.
Houston Habitat for Humanity has a very helpful Virtual Homeownership Fair, which answers many questions and provides valuable resources. Further, Houston Habitat for Humanity can assist with many tasks connected to homeownership, even improving credit scores!
