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A Habitat Home

Habitat homeowners are the lifeblood and purpose for which Habitat of Humanity of Nodaway County exists. Our mission is to assist our partner families in a transition from their current living conditions into a new Habitat home. In doing so we fulfill our mission that all persons should have the opportunity to live in safe, decent, affordable housing of their own. Habitat partner families purchase their home through a zero-interest mortgage and the purchase price is reduced because the partner family and other volunteers provide the construction labor for the home.

Volunteers and our Habitat partner family spend weekends driving nails and raising walls, as the dream of home ownership becomes a reality. Habitat constructs the home in Nodaway County with volunteers, donated materials and financial contributions from the community. The home is then sold to the partner family with a zero-interest mortgage.

The end result is that the family owns their own home – a home that is energy efficient, safe, decent and designed to meet the needs of the family.

Becoming a Homeowner

Habitat does not give away homes. However, our families save thousands of dollars because Habitat does not charge interest on its loans and the home is built through the “sweat equity” of the family and donated hours of hundreds of volunteers.


Habitat for Humanity is a hand-up – not a hand-out – program. The selected partner family is required to partner with Habitat in constructing their home and purchases the home through a monthly, zero-interest mortgage. The Habitat partner family must have employment or other regular income to meet the financial requirements of purchasing the Habitat home.

The Habitat partner family must have employment or other regular income to meet the financial requirements of purchasing the Habitat home. The applicant must also be a resident of Nodaway County and meet other financial and ownership preparation requirements, including attending budgeting and home ownership classes designated by Habitat.

Application process

Applications are generally accepted in the spring before construction begins in the fall. Watch this website, our Facebook page and stayed tuned to local media outlets meetings and deadlines related to our selection process.

Applicants must attend an information meeting at which the entire Habitat process is explained. Interested families will complete an application to become a Habitat homeowner and provide information to the Family Selection Committee regarding their income, current living conditions and other financial and employment/income factors. Applications are provided during the information meeting, and Habitat financial experts assist the applicants in completing the document and securing the financial information.

As the Habitat Board commences the home construction process, its first step is to identify the new Habitat family – the people who will help construct the new home and purchase it from Habitat through a zero-interest mortgage.

Home features

Habitat homes are safe, decent, affordable housing for our partner families. Built to the needs of our families, they are at least a three-bedroom home with all new appliances and energy efficient components.


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