More than you think!! At Habitat for Humanity, families purchase their homes via sweat equity, a very small down payment, and a non-interest bearing mortgage payable to the Habitat for Humanity affiliate. In the real world of business, there is no such thing as a zero interest loan unless it’s to kids from the Bank of Mom and Dad. Habitat must comply with the same generally accepted accounting principles as every other business. The market value of a Habitat loan is NOT equal