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Homeownership Program

Habitat's Homeownership Program

Thank you for your interest in becoming a Habitat homeowner. We believe that everyone should have a safe, affordable place to call home.

To carry out our vision, we partner with individuals and families from application, through construction and closing, to post-purchase advocacy. 

By working with us from beginning to end, we can help prospective individuals prepare for the various responsibilities of homeownership, including learning about personal finances, mortgages, maintenance and upkeep of homes, and much more.

Habitat’s path to homeownership is an important and in-depth process, requiring hard work, time and dedication. But this helps to ensure the long-term success of Habitat homeowners.


How to Qualify for a Habitat home

Habitat homeowners must be active participants in building a better home and future for themselves and their families. Every Habitat home is an investment. For us, it is one answer to a critical need, and we believe that stronger homes will create stronger communities.

Prospective Habitat homeowners must demonstrate a need for safe, affordable housing.  Most importantly, an applicant’s income must fall within the 30%-70% range of the Median Family Income for this geographic area.

To determine if you are income-qualified, compare your regularly occurring gross annual income to the chart below. Your income should include most funds you are receiving, including social security, disability, child support, etcetera. SNAP (food stamps) and TANF are not counted as income but are a consideration for the overall financial picture.

Please don’t assume you do not qualify. In just a short phone call, we can tell you if you meet the fundamental requirements for an application. It’s worth a try, so call us today!  You can also fill out our new online pre-application for homeownership and we will get back in touch with you ASAP!


Income Guidelines

Family Size Income

1 You must earn between $14,760-$34,440

2 You must earn between $16,860-$39,340

3 You must earn between $18,960 - $44,240

4 You must earn between $21,060 - $49,140

5 You must earn between $22,770 - $53,130

6 You must earn between $24,450 - $57,050

7 You must earn between $26,130 - $64,890


Prequalifying Steps

  1. Simply call our office at 540-662-7066 and tell the person who answers that you would like to apply for a Habitat house.
  2. The office assistant will guide you through a series of questions regarding the size of your family, where you live, the amount and sources of your income (employment income, social security,  disability income, child support, or alimony, etc.), and whether you have any unsettled judgments.
  3. If you pre-qualify as a result of your call, we will provide you an application.
  4. If you do not qualify, the office assistant will tell you what you need to do to become qualified for an application.

Don’t delay—call today to determine if you qualify for an application. Call 540-662-7066. Or, complete our new online pre-application and someone from our office will reach back out to you as soon as possible. 


Next Stages

Once selected, Habitat homeowners must partner with us throughout the process. This partnership includes performing “sweat equity,” or helping to build their own home or the homes of others in our homeownership program. Sweat equity can also include taking homeownership classes or performing volunteer work in a Habitat ReStore.

Homeowners must also be able and willing to pay an affordable mortgage. Mortgage payments are cycled back into the community to help build additional Habitat houses.

Our Partners

  • ReStore
  • United Way of NSV
    United Way of NSV
  • Wells Fargo
    Wells Fargo
  • American Woodmark
  • Home Depot
    Home Depot
  • Lowes
  • Ferguson
  • HUD
  • Christopher Peacock
    Christopher Peacock
  • Loudoun Stairs
    Loudoun Stairs
  • Melnor
  • Frogale Lumber
    Frogale Lumber