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.
ACCEPTING APPLICATIONS IN SEPTEMBER!
Habitat for Humanity Peninsula & Greater Williamsburg will be holding a special application round in September for two properties. Please read further for details.
Build Site #1: 727 Birch Avenue, Hampton, VA 23661 OR 237 Settlers Landing Rd, Hampton, VA 23669
Build Site #2: 2404 Marshall Avenue, Newport News, VA 23607
Both homes are scheduled for construction in 2025.
Applications will be accepted September 1 through September 15, 2024.
Hard copies of the application can be picked up at all three Habitat ReStore locations beginning Tuesday, September 3rd in Newport News, York County and Williamsburg. The Newport News ReStore is at 371 Chatham Drive; the Williamsburg ReStore is at 1303 Jamestown Road; the York County ReStore is at 4824 George Washington Memorial Highway. Community members can also stop by Habitat’s administrative offices at 11011 Warwick Blvd., in Newport News to pick up an application.
Completed applications with supporting documentation and the application fee of $45 for single applicants or $90 for co-applicants can be delivered in person to the Habitat for Humanity administrative offices at 11011 Warwick Blvd., Newport News, Virginia, 23601. There is a 24-hour drop box for after hours submissions. No applications will be accepted after the September 15 deadline.
Veteran or Former Military Member?
Visit our Habitat for Heroes page to read more about Habitat’s partnership in the military community!
HABITAT FOR HEROESAPPLICATION 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 Calculator
Applicants must earn gross incomes that fall within the following limits. If you don’t know your gross annual income, use the calculator button below.
Income Requirements
Total annual gross income (before taxes and deductions), from all family members in the household who will live in the new home, must be within the limits listed below. All employment income, child support, disability, social security, alimony will be counted for the family.
| Family Size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
| Minimum Income | $28,200 | $32,240 | $36,280 | $40,280 | $43,520 | $46,760 | $49,960 | $53,200 |
| Maximum Income | $56,400 | $64,450 | $72,500 | $80,550 | $87,000 | $93,450 | $99,900 | $106,350 |
Credit History
All unpaid collections, charge-offs, judgments and liens must be satisfied. Loan and credit payments must be paid on time, with no late payments in the last 12 months. 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 40% when adding in Habitat’s affordable mortgage. To obtain a free copy of your credit report visit annualcreditreport.com.
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.
