North Carolina · Nonprofit
Habitat For Humanity Of The Charlotte Region
Habitat For Humanity Of The Charlotte Region (North Carolina) receives grants from 72 organizations whose IRS filings report $36,503,953 to it, the largest being The Chicago Community Trust ($13,500,250). 42 of them have funded it in more than one year, and 51% of the money arrives through donor-advised or pass-through sponsors rather than from an institution directly.
- Revenue FY2025
- $57M
- Funders on record
- 72
- Grants received
- $37M
- Net assets
- $65M
What Habitat For Humanity Of The Charlotte Region does
Mission
Seeking to put god's love into action, habitat for humanity of charlotte brings people together to build homes, communities and hope.
As stated on its FY2025 Form 990.
Programs
Habitat Charlotte Region has been the leading provider of affordable homeownership and home repair solutions since 1983, serving families earning 80% or less of the Area Median Income. We operate in Gaston, Iredell, North Mecklenburg, and the cities of Charlotte, and Pineville, supporting a region of over 1.5 million people. In FY 25 we partnered with 197 families through affordable housing solutions and with more than 350 on financial education. In October 2024, we merged with Habitat for Humanity of Gaston County, combining our individual effort to strengthen affordable housing across the region. This merger expands impact, maximizes resources, and increases affordable homeownership opportunities. Our mission is to promote affordable homeownership as a path to financial stability and economic mobility. We achieve this through three programs: *Critical Home Repair - Providing repairs that address health and safety hazards, allowing homeowners to avoid displacement. *New Homeownership - Constructing and renovating homes sold at fair market value with affordable mortgages. *Financial Education - Offering assessments, education, coaching, and partner referrals to prepare individuals…
$21,505,146 spent$14,635,901 earned by the program46% of program spendingOur mission is sustained through a healthy mix of funding streams to support our operating needs, growth goals and strategic plan. 7 ReStores, where we sell new and gently-used furniture, appliances, home decor, and building materials support our operational expenses. Donations from individuals, corporations, foundations and faith partners remain a strong financial resource for Habitat Charlotte Region, and public grants continue to enable us to scale our programs and pilot new programs. This year, we also launched a $20M capacity building campaign and confirmed the first $5M in commitments. Habitat Charlotte Region understands the effects of homeownership on asset-building and wealth, and is committed to serving the community while recognizing that change and adaptability are key to intensifying our impact. Next year we are launching 2 co-developed, mixed income, light-density projects that will help scale our business model and demonstrate the power of collaboration and growth. This activity is supported by contribution revenue which is reported in Part VIII column A and is not reflected as program service revenue.
$16,962,229 spent$9,279,798 earned by the program36% of program spendingOur Critical Home Repair program provides qualified families with significant home repairs, improving substandard housing conditions for those with limited financial resources and preserving affordable units in our community. Our team focuses on four essential health and safety issues: unsafe roofs or floors, lacking heat, electrical system hazards, and plumbing hazards while also addressing accessibility issues in and around the home. 197 families were served through this program during the year.
$7,804,478 spent$545 earned by the program17% of program spendingBuilding on the success of Money Matters, a financial literacy course focused on helping individuals become homebuyer ready, Habitat Charlotte Region expanded its financial literacy programming to offer three pathways depending on an individual's financial readiness. This approach allows us to provide a more customized experience and timeline based on an initial financial assessment. Through the expanded financial literacy program, now called Pathways and Partners, the affiliate helped 350 families. During the year, Habitat Charlotte Region provided support to Habitat for Humanity International.
$926,572 spentof which $926,572 as grants$141,338 earned by the program2% of program spending
The 4 programs described on its FY2024 Form 990, listed largest first by expense. Program spending in total: $47,198,425.
The organization over time
Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2021 to 2022, from $72M to $91M (+27%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
Government-grant reliance: 2017 5% · 2018 5% · 2019 5% · 2020 6% · 2021 16% · 2022 8% · 2023 14% · 2024 15% · 2025 8%. Grants only. Government contracts and fees sit inside program revenue.
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 3 of the last 9 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Chief executive
Laura Belcher
President & CEO
Board chair
Jen Hall
Chair
As listed on its FY2025 Form 990.
Who funds it, year by year
2017 → 2023: the base broadened from 12 funders to 33 funders, grant income rose $937k → $4.4M.
21 of 72 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 51% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
From the IRS filings of Habitat For Humanity Of The Charlotte Region’s funders (the co-funder graph). Top 30 of 72 funders by total. Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How concentrated its funding is
Habitat For Humanity Of The Charlotte Region leans on a few funders — its largest provides 37% of grant income and the top three 73%; half comes from just 2 funders.
the vertical line marks half of all grant income — 2 funders to its left
90% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund Habitat For Humanity Of The Charlotte Region.
Largest funder’s share by year: 2017 77% · 2018 52% · 2019 50% · 2020 52% · 2021 44% · 2022 78% · 2023 58% — diversifying over time.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How long its funders stay
46% of Habitat For Humanity Of The Charlotte Region's funders are still giving 3 years after their first grant; 58% give in more than one year at all.
Share of funders still giving k years after their first recorded grant, pooled across every acquisition cohort. A funder counts as retained in a year only if it made a grant that year. Measured to FY2023, the last fiscal year that has finished arriving — a funder cannot be counted as lapsed in a year most filers have not reached.
Where its funders are
51% of Habitat For Humanity Of The Charlotte Region's grant income arrives through donor-advised or pass-through sponsors, whose addresses record where the money is held rather than where the donor is. Of the $18M that is directly attributable, 56% of it comes from funders outside North Carolina, across 17 states.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $19M arriving through sponsors registered in 15 states is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Government funding Habitat For Humanity Of The Charlotte Region receives
Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $260k on record.
- Department of Agriculture$260k
Federal grants vs contracts are distinguished; state line items keep their reported category. Matched by name + geography (the BMF), so coverage is partial and precision-first.
Organizations like Habitat For Humanity Of The Charlotte Region
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In North Carolina
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
90% of spending goes to programs.
Governance
Public support
98%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 1 state
Part of a family of 6 related entities
- Habitat Charlotte Homes LLC · disregarded
- Habitat Charlotte Properties Inc · disregarded
- Hfhc Holdings LLC · disregarded
- Hfhc Funding LLC · disregarded
- North Main Development LLC · disregarded
Screen this organization
A dated, signed PDF of the compliance screen for Habitat For Humanity Of The Charlotte Region: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds Habitat For Humanity Of The Charlotte Region?
- Habitat For Humanity Of The Charlotte Region (North Carolina) receives grants from 72 organizations whose IRS filings report $36,503,953 to it, the largest being The Chicago Community Trust ($13,500,250). 42 of them have funded it in more than one year, and 51% of the money arrives through donor-advised or pass-through sponsors rather than from an institution directly.
- How many funders does Habitat For Humanity Of The Charlotte Region have?
- IRS filings report 72 organizations giving $36,503,953 in grants to Habitat For Humanity Of The Charlotte Region, 42 of which have funded it in more than one year.
- Who is the largest funder of Habitat For Humanity Of The Charlotte Region?
- The Chicago Community Trust is the largest funder on record, with $13,500,250 in grants. The full list of funders is on this page.
- How can an organization like Habitat For Humanity Of The Charlotte Region find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in North Carolina. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2025 (financials across 2017–2025), and the filings of 72 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 22, 2026. What this page cannot tell you · view filing