Gifts with financial benefits to you

Gifts with financial benefits to you.

Gifts that pay you income

You can receive income for life while ensuring that families have access to safe and affordable housing.

If you are considering this type of gift, we recommend that you consult with your financial advisor and a gift planner at Habitat for Humanity.

Charitable remainder trust

You can receive income for life and reduce your taxes while supporting Habitat for Humanity by transferring assets to fund the trust. Not only does this pay income to you or your beneficiaries for life, but you also receive an income tax deduction the year you transfer assets to the trust. The remaining portion of the trust, after all payments have been made, goes to Habitat for Humanity.

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  • Receive income for life for you or your heirs.
  • Receive a charitable income tax deduction for the charitable portion of the trust.
  • Create your lasting legacy of hope and community by bringing people together to build homes.
Charitable gift annuities
You can transfer assets to a charitable gift annuity and receive income for life.

This plan allows you to give a substantial donation to Habitat for Humanity while receiving tax-favored income for life. Charitable gift annuities offer attractive payout rates for those who want to receive income and provide families the opportunity to become self-reliant through safe, affordable housing.

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  • Very attractive payout.
  • Payments can be made annually, quarterly or monthly.
  • A portion of the payout can be tax-free.
  • Immediate tax deduction for a portion of your gift.
  • Your gift passes to Habitat for Humanity outside of the estate process.
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Gifts that may reduce your taxes

Some legacy gifts made to Habitat for Humanity can have substantial tax savings.

Retirement plan gift

You can reduce or even eliminate tax liabilities on your retirement plan by naming Habitat for Humanity as direct beneficiary. The entire amount of your IRA, 401(k) or other retirement accounts may be taxed if you leave them to your heirs. Instead, consider giving them less tax-burdened assets like real estate and stock, and use retirement assets to create your legacy gift with Habitat.

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  • Eliminate potential estate tax on retirement assets.
  • Eliminate income tax on retirement assets funded on a pre-tax basis.
  • Receive potential savings on estate taxation from a donation tax deduction.

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

If you would like to make an immediate contribution from your IRA directly to Habitat for Humanity, consider using our free IRA tool.

Life insurance plan
If you have a life insurance policy that has outlasted its original purpose, you can use it to reduce your taxes and create a legacy gift for Habitat for Humanity.

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  • Reduce your income taxes.
  • Receive additional donation tax deductions by making annual gifts so that Habitat can pay the premiums.
  • See firsthand how your gift supports families if we cash in the policy.
  • Further the work of Habitat so that more people have a safe, affordable place to call home. If Habitat retains the policy to maturity, or you name us as a beneficiary, the proceeds of your policy will be paid to Habitat for Humanity once the policy matures.
Gifts of real estate
You may decide that the greatest gift you can make is to leave your home or farm to Habitat for Humanity. This kind of gift is ideal for people who intend to continue living in their home or property through their lifetime, but still want to make a charitable gift.

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You can leave this generous gift by signing an agreement with Habitat about maintaining the property so you can use it throughout your lifetime. You may even receive a tax deduction for your gift.
Gifts of stock
Stocks, bonds and mutual funds that have appreciated in value are among the best ways to ensure that Habitat can help reduce housing instability for families in your local community and around the world.

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You may receive a charitable income tax deduction for the full market value of the stock up to a maximum of 30 percent of your adjusted gross income and avoid paying the capital gains tax on any increase in the value of the stock.

You can use these easy-to-follow instructions for transferring gifts of stock.

Savings bonds
When you redeem savings bonds, you or the person to whom you leave your bonds will owe income tax on the appreciation. You can eliminate the income tax on bonds you own that have stopped earning interest and that you plan to redeem. Since Habitat for Humanity is tax exempt, 100 percent of your gift of savings bonds will support our mission to bring people together to build homes and strong communities.

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  • Reduce income tax.
  • Reduce income tax and estate taxes for your loved ones.
  • Create your lasting legacy by empowering families to become self-reliant homeowners who are engaged in their communities.
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Please contact us at or toll free at (833) 434-4438 if you have any questions.

Then, consult with your tax advisor and lawyer to determine which planned gift strategy is best for you.

Complimentary planning resources

Learn more about easy ways to leave a legacy with our free guides!

I'm here to help!

Jeremy Kraut-Ordover headshot

Bryan Landry
Senior Director, Planned Giving
Toll free phone: 833-434-4438