Gifts that Cost You Nothing Now

Maybe you’d like to give to empower families to become self-reliant, successful homeowners in their communities. It’s just one of the ways that, simply by signing your name, you can be sure families have safe, affordable places to call home. When you include Habitat for Humanity in your plans, you promote self-reliance and housing stability in local and global communities.

Once your family and friends are provided for, we hope you consider a legacy gift that makes support for families working toward their independence a part of your life story.

Diagram showing donations from your will or trust

Gifts by bequest

Making a legacy gift in your will or trust is one of the easiest and most popular ways to bring people together to build homes and strong communities.

Here are the ways that most people give this lasting gift to Habitat for Humanity:

Residual bequest: A percentage of the remainder of your estate after other specific legacies have been fulfilled.

Specific bequest: A specific dollar amount or stated fraction of your estate or a specified gift in kind, such as collections, art, books, jewelry, etc.

Contingent bequest: A gift that is originally intended for other beneficiaries but, in the event of their prior passing, is redirected as a charitable donation.

View sample gift language

Please contact us at or 404.420.3614 if you have any questions.

Gifts by beneficiary designation

When you make a gift for Habitat for Humanity from your retirement plan, insurance plan or other assets, you ensure that all people can attain a safe and affordable place to call home.

It’s as simple as contacting the firm that holds your assets and asking for a beneficiary form to fill out.

Retirement funds gift
Many people choose to name Habitat for Humanity as a beneficiary of a retirement plan to reduce their taxes while they empower families to become self-reliant homeowners.
diagram of retirement plan

  • Reduce or eliminate taxes on retirement assets.
  • Remove highly taxable assets from your estate by direct beneficiary designation.
  • Reduce or avoid probate fees.
  • There is no cost to you now.

To name Habitat for Humanity as a beneficiary of your retirement plan, contact your bank or insurance company to see whether a change of beneficiary form must be completed.

Life insurance policy gift
If you have a life insurance policy that has outlasted its original purpose, you can use it to fund a legacy gift while also enjoying tax savings during your lifetime.


  • Donate ownership and receive a charitable income tax deduction for the market value of the policy.
  • Receive additional tax benefits by making annual gifts so that we can pay the premiums.
  • Some donated policies can be cashed in and put to good use right away.
  • If you retain the policy and name us as beneficiary, the proceeds of your policy will be paid to Habitat for Humanity, and your estate will receive the tax deduction from the charitable gift receipt.

Savings bonds
If you have bonds that have stopped earning interest and that you plan to redeem, you will owe income tax on the appreciation. In the end, your heirs will receive only a fraction of the value of the bonds in which you so carefully invested. Since Habitat for Humanity is a tax-exempt institution, naming us as a beneficiary ensures that 100 percent of your gift will go toward families in need of decent, affordable housing.

CDs, bank accounts and brokerage accounts
Naming Habitat as the beneficiary of a certificate of deposit, a checking or savings bank account, or a brokerage account is one of the easiest ways to help empower individuals and families to become self-reliant homeowners.

Donor-advised fund residuals
Final distribution of contributions remaining in a donor-advised fund is governed by the contract you completed when you created your fund. We hope you will consider naming Habitat as a “successor” of your account or a portion of your account value.

Please contact us at or 404.420.3614 if you have any questions.