Motivated by a love for our city and a love for our neighbors, Habitat fights to put an end to this injustice and build a better Buffalo for everyone. Habitat is a volunteer driven grass roots organization. The idea is simple, low income families make monthly payments on their 0% interest mortgage, which goes into a revolving fund which goes to provide the next family an affordable mortgage. Loan payments are typically less than a monthly rent payment. These loans build a sustainable equity program that helps the next family in line. Construction costs are subsidizes through volunteer labor and donation from the community. Habitat families also put in a minimum of 400 hours of sweat equity by working to build homes for other Habitat families each family helps the next. Buffalonians working side by side to help one another. Safe, decent, affordable homes.