Fair Housing LOGOWe are pleased that you are interested in partnering with Habitat for Humanity of Northern Saratoga, Warren and Washington Counties.  Our goal is to provide a path to home ownership.  We encourage you to submit an application, which can be found in the link below.  For for additional information please email, [email protected].

Download Application

Here are some guidelines to keep in mind when considering your application:

  • The home for which you are applying is a basic practical structure.
  • This application will be reviewed by the Family Selection Committee.
  • Families will be selected based on the following criteria:
  • Residence and/or employment in Warren, Washington or northern Saratoga Counties.
  • Present living quarters are substandard. “Examples of inadequate housing include but are not limited to no indoor plumbing, leaks in roof, inadequate heating, overcrowding (3 or more per bedroom), children of different genders sharing a bedroom, unsafe or unsanitary conditions, or not handicapped accessible.”
  • Meet HABITAT financial guidelines.
  • Exhibited willingness to partner with the program.

Those families meeting HABITAT’s criteria as potential homeowners will be personally interviewed in their present living quarters.

Each family is also expected to provide 500 hours of volunteer labor (sweat equity), defined on the Sweat Equity Requirements page.

If you are selected, you will be required to have saved a specified amount of money to cover closing costs on your HABITAT home (approximately $2,500).

You will purchase the house at market and it will be financed with an affordable 0% equivalent mortgage. Habitat will provide a schedule of monthly payments that will include a principal amount, insurance premiums and property taxes. Most mortgages are for 30 years. Total monthly payments will be based on your ability to pay and the local affiliate will subsidize the remaining value of the home.

Please respond to the attached application accurately and completely. It is necessary to obtain this information from you to determine eligibility for the program. Applications are not complete and cannot be considered for approval until all items are provided.

If you have any questions, or need assistance in completing the application, email  or call 518-793-7484 and leave a message.

When you have completed the application, please return it to:


Habitat for Humanity of Northern Saratoga, Warren and Washington Counties

1373 Rt 9

Moreau NY 12828

Download Application