As of 2015, the Wayne County Habitat for Humanity requires a $500 down payment and 400 hours of sweat equity, or manual labor, for all home recipients. Recipients continue to pay for their homes through monthly mortgage payments that do not include any interest.
The average cost of a Habitat for Humanity Home in Wayne County, New York, is $40,000 to $45,000, and the average mortgage length is 20 years. Mortgage payments go back into the revolving Habitat for Humanity fund to provide housing for other deserving recipients.
Interested parties must complete an application, and recipients are selected by a nondiscriminatory Family Selection Committee.