How the Program Works

Since 1983, Habitat for Humanity of Greater Memphis has partnered with over 600 homebuyers to provide the guidance, education and support they need to achieve their dream of owning a safe, affordable home. As the only organization in the 901 offering zero-interest mortgages, we make owning a home cheaper than renting. Additionally, our extensive financial education program equips homebuyers with the tools they need to succeed. We encourage all interested and qualified individuals to attend an information session about our homebuying program – it’s the first step toward buying a home. 

Latonya Marco

Start your journey to homeownership!

Do I Qualify
Volunteer painting wall
Habitat homes neighborhood 3a
Habitat homes kitchen 1
Habitat homes neighborhood 2a
Imperial Corner Edited
Habitat homes kitchen 2

About Our Homes

Memphis Habitat builds affordable, energy-efficient homes to last—constructed to Memphis Light, Gas & Water’s EcoBUILD standards for sustainability and long-term value. Each single-family home features 3 to 5 bedrooms, energy-efficient appliances, and durable materials throughout.

You'll find personalized exteriors with color and basic landscaping, plus open living areas, modern kitchens, and central heating and air to keep your family comfortable year-round.

  • Around 1,400 square feet for most builds
  • Smoke detectors, carbon monoxide detectors, and fire-rated materials
  • Energy-efficient double-pane windows and appliances
  • Open living/dining areas for practical use of space.

5 Steps to Homeownership

1

Attend

Attend an in-person Info Session.
1 Attend
2

Apply

Submit your application (not all applicants will qualify).
2 Apply
3

Qualify

Our team reviews your application and lets you know if you qualify for our program.
Qualify
4

Partner

Volunteer, attend homebuyer classes, and save for an emergency fund.
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5

Purchase

Pay closing costs, finalize your mortgage and monthly payments, and move into your new home!
Happy Homebuyers

Investing in Your Future

Closing on your Habitat home is a life-changing milestone, but it’s just the start of your journey. By making your affordable monthly mortgage payments on time, you’re not only building long-term stability for your family—you’re also helping Habitat continue its mission of creating safe, affordable housing for more families across Memphis. Each monthly payment you make is an investment in your future.

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Upcoming Information Sessions

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Event 1

Homebuyer Information Session

12:00 PM – 1:00 PM
Habitat for Humanity of Greater Memphis
7136 Winchester Rd.
Memphis, TN 38125
Learn more
Homes1

Homebuyer Information Session

12:00 PM – 1:00 PM
Benjamin L. Hooks Central Library
3030 Poplar Ave.
Memphis, TN 38111
Learn more
Homes1

Homebuyer Information Session

12:00 PM – 1:00 PM
Benjamin L. Hooks Central Library
3030 Poplar Ave.
Memphis, TN 38111
Learn more

Frequently Asked Questions

Memphis Habitat homes are sold at fair market value based on appraisal, and buyers receive a zero-interest mortgage, making monthly payments more affordable. Homebuyers are also required to contribute $2,000 toward closing costs and save for an emergency fund.

Yes! Memphis Habitat homebuyers will contribute at least $2,000 toward closing costs.

Memphis Habitat works hard to match families with homes that meet their needs. However, choices may be limited based on funding, availability, and construction timelines. Habitat for Humanity builds throughout Shelby County and, at times, in Fayette County.

Yes! If you need translation services, please email newhomes@memphishabitat.com or call 901-322-3519 to schedule a one-on-one session with a qualified translator.

Homebuyers must complete education classes, volunteer hours, attend financial coaching sessions, save for an emergency fund, contribute to closing costs, and meet other qualification benchmarks before closing on their home. After closing, they are responsible for repaying a 30-year, interest-free mortgage.

Please email newhomes@memphishabitat.com if you have any questions about our Homebuying Program.

Together, we can build a better 901.

Support Memphis Habitat today.
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Homebuyer building home

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