We build simple decent homes for families who currently live in substandard housing and meet three basic criteria: 1.) Need - currently live in substandard housing, 2.) Ability to Pay - total family income falls between 25% - 50% of Median Income for the Dayton - Springfield MSA (i.e. $14,025 - $28,050 for a family of four), and 3.) Willingness to Partner - each adult in the family must work 250 hours on Habitat projects. Upon completion, each house is purchased by the partner family from Habitat with a no-interest mortgage loan.