A mortgage model designed to create stability, not debt.
At Dallas Habitat, we make mortgages truly affordable. Dallas Habitat provides a zero-interest mortgage and zero down payment to ensure individuals and families can afford their homes from day one. By capping monthly payments at 30% of income, we give homeowners room to save, grow, and build equity immediately.
Download our About Mortgage Services one-pager. Available in English and Spanish.
A mortgage model designed to create stability, not debt.
At Dallas Habitat, we make mortgages truly affordable. Dallas Habitat provides a zero-interest mortgage and zero down payment to ensure individuals and families can afford their homes from day one. By capping monthly payments at 30% of income, we give homeowners room to save, grow, and build equity immediately.
Download our About Mortgage Services one-pager. Available in English and Spanish.
Our zero-interest mortgage means about $300,000 in lifetime savings for households.
A home is more than a place to live — it’s the foundation for stability, independence, and everything that comes after. But for too many hardworking people across Dallas and Kaufman counties, a traditional mortgage was never built with them in mind.
The cost of a down payment remains one of the biggest obstacles keeping people in rental housing. Add to that rising home prices and stagnant income, and it’s no surprise so many qualified homebuyers can’t access traditional mortgages.
These challenges don’t mean individuals and families are unprepared for homeownership. They mean homebuyers need the right support and fair, accessible products to move forward. Our mortgage product is designed with real people in mind. Our zero-interest financing and zero down payment give people room to plan as they become homeowners.
Ready to build equity?