Shameka Brown with her children Shaliyah and Shyzear stand on the porch of their newly dedicated Habitat for Humanity home Homebuyer Program

FIRST-TIME HOMEBUYER PROGRAM

​Habitat for Humanity is a nonprofit organization that helps families build strength, stability and self reliance through homeownership.

Construction or renovation of each Habitat house is a cooperative effort between volunteers, house sponsors and the buyer(s) of the house. Participating families provide at least 300 hours (called sweat equity) toward building their own and other families’ homes. Homes are purchased with a zero-interest equivalent, 20 to 30-year mortgage. Mortgage payments will be no more than 30% of buyer’s income, and the payments include real estate taxes and homeowner’s insurance.

CLICK HERE to see the addresses currently available for sale.

THE APPLICATION DEADLINE HAS PASSED

Applications for Habitat’s first-time homebuyer program are accepted each year in April. Check back early next year for information about how to apply.


Veteran or Former Military Member?

Visit our Habitat for Heroes page to read more about Habitat’s partnership in the military community!

HABITAT FOR HEROES

APPLICATION ALERT SIGNUP

Provide your email address to receive notifications when we are accepting housing  applications!

PROGRAM QUALIFICATIONS

Need

Applications are considered if present housing is overcrowded, in poor repair, not affordable or is under a subsidized rental program. Applicant must be a first-time home buyer, meaning the applicant cannot have owned a home within the past three years.

Income

Applicants must earn incomes that fall within the following limits. If you don’t know your annual income, use the calculator button below.​

INCOME CALCULATOR

If 1 Person Living in the Home

Annual household income must be between $26,200 and $52,400.
All employment income, child support, disability, social security, alimony count for the family.

If 2 People Living in the Home

Annual household income must be between $29,920 and $59,850.
All employment income, child support, disability, social security, alimony count for the family.

If 3 People Living in the Home

Annual household income must be between $33,680 and $67,350.
All employment income, child support, disability, social security, alimony count for the family.

If 4 People Living in the Home

Annual household income must be between $37,400 and $74,800.
All employment income, child support, disability, social security, alimony count for the family.

If 5 People Living in the Home

Annual household income must be between $40,400 and $80,800.
All employment income, child support, disability, social security, alimony count for the family.

If 6 People Living in the Home

Annual household income must be between $43,400 and $86,800.
All employment income, child support, disability, social security, alimony count for the family.

If 7 People Living in the Home

Annual household income must be between $46,400 and $92,800.
All employment income, child support, disability, social security, alimony count for the family.

If 8 People Living in the Home

Annual household income must be between $49,400 and $98,750.
All employment income, child support, disability, social security, alimony count for the family.

Oops, we ran out of space in this section! If you have more than 8 family members, please give us a call at 757-596-5553 option 2 for those income limits.


Credit History

All collections, judgments and liens must be satisfied.  Loan and credit payments must be paid on time.  Applicants who have filed for bankruptcy must be at least two years past discharge and have good credit re-established. Moreover, an applicant’s current debt will be taken into consideration to ensure their debt-to-income (DTI) ratio does not exceed 43% when adding in Habitat’s affordable mortgage.

Sweat Equity

Applicants must be willing to partner with Habitat by working 300 hours with the staff and volunteers on various Habitat projects, including helping other families build their home.

Residency

Applicants must currently live or work for at least a year in Hampton, James City County, Newport News, Poquoson, Williamsburg, York County, Charles City County, or New Kent County.

QUESTIONS? Call Family Services at 757-596-5553 option 2. Or email partner@habitatpgw.org.
DONATE

Want to invest in the community?

DONATE NOW

We help as many families as we can, but the lack of decent and affordable housing remains a critical problem in our area. By donating, you will provide upfront funding for building materials and services that makes interest-free loans to Habitat partner families possible. Habitat partner families help to build their own homes - alongside volunteers - and pay an affordable mortgage. Your monetary donations enable us to continue building strength, stability and independence for future local families.