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 it includes real estate taxes and homeowner’s insurance.

Applications for Hampton, James City County and Newport News are accepted once a year and will be accepted again during the month of April 2022.

CLICK HERE to see the addresses currently available for sale.

Please sign up on this page for Application Alerts to be notified when we accept applications again.

CHARLES CITY COUNTY HOMES​

We are building in Charles City County in 2022! Charles City is a beautiful area that borders James City/Williamsburg. These 4 lots are just 20 miles or 30 minutes from New Town and the Habitat ReStore. Application packets for homes being built in Charles City County are being accepted NOW in 2021 and will be accepted all year long, until all families have been approved.

APPLICATION PICKUP: Applications can be printed and completed using the link below OR a paper application can be picked up from the Heritage Public Library in Charles City and New Kent County.

APPLICATION SUBMISSION: Completed applications for Charles City County, including supporting documents and application fee, may be dropped off in-person at the following locations. No postage is necessary, but the sealed envelope must have “Habitat for Humanity” on them.

  • Charles City County Administrator’s Office
  • Charles City County School Board Office drop box

Completed applications may also be delivered or mailed to the Habitat Program Office at 11011 Warwick Blvd., Newport News, VA 23601, along with supporting documents and application fee. The application fee covers the cost of running consumer reports for credit, sex offenders and civil judgments.

APPLICATION PACKAGE

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 provided.​


If 1 Person Living in the Home

Family income must be at least $26,640, but less than $47,350 a year.
All employment income, child support, disability, social security, alimony count for the family.

If 2 People Living in the Home

Family income must be at least $30,420, but less than $54,100 a year.
All employment income, child support, disability, social security, alimony count for the family.

If 3 People Living in the Home

Family income must be at least $34,245, but less than $60,850 a year.
All employment income, child support, disability, social security, alimony count for the family.

If 4 People Living in the Home

Family income must be at least $38,025, but less than $67,600 a year.
All employment income, child support, disability, social security, alimony count for the family.

If 5 People Living in the Home

Family income must be at least $41,085, but less than $73,050 a year.
All employment income, child support, disability, social security, alimony count for the family.

If 6 People Living in the Home

Family income must be at least $44,145, but less than $78,450 a year.
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 6 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.