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.
Watch the video on this page for more info about our program. |
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CHARLES CITY COUNTY HOMES We are building in Charles City County in 2022! Charles City is a beautiful area that borders James City/Williamsburg and these properties are just 20 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 selected. APPLICATION PICKUP: Applications can be downloaded 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 DROP-OFF: 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 envelopes must have "Habitat for Humanity" on them.
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. CHARLES CITY APPLICATION PACKAGE NEWPORT NEWS Applications for new construction homes in Newport News will be accepted during the entire month of April 2021. Application packages will be available for pickup in April at all local public libraries and housing authority offices, as well as at the Newport News and Williamsburg Habitat ReStore locations and on this website. APPLICATION DROP-OFF: Completed applications must be delivered or mailed to the address provided on the cover page, along with supporting documents and application fee. The application fee covers the cost of running consumer reports for credit, sex offenders and civil judgments. Applications for Newport News must be submitted by Friday, April 30, 2021 at 4PM. NEWPORT NEWS APPLICATION PACKAGE HOME SITES FOR SALE - Click here to preview addresses for upcoming builds! VETERAN or FORMER MILITARY MEMBER? Visit our Habitat for Heroes page to read more about Habitat's partnership in the military community! |
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QUESTIONS? Habitat for Humanity's homebuyer program is a partnership between the family and Habitat. Please review the information provided below about the partnership, the application process and qualifications. If you have any specific questions after reviewing the information provided below, please send an email to partner@habitatpgw.org or call 757-596-5553 option 2.
Check back periodically for updates!
Check back periodically for updates!
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.
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 $26,010, but less than $46,200 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 $29,700, but less than $52,800 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 $33,435, but less than $59,400 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 $37,125, but less than $66,000 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 $40,095, but less than $71,300 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 $43,065, but less than $76,600 a year. All employment income, child support, disability, social security, alimony count for the family. If 7 People Living in the Home Family income must be at least $46,035, but less than $81,850 a year. All employment income, child support, disability, social security, alimony count for the family. If 8 People Living in the Home Family income must be at least $49,005, but less than $87,150 a year. All employment income, child support, disability, social security, alimony count for the family. |
Type into the box how much you earn an hour, then click SUBMIT to calculate your estimated yearly income. If the calculator does not appear, click HERE to calculate.
QUESTIONS? Please send an email to partner@habitatpgw.org or call 757-596-5553 option 2. Vertical Divider
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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 Chris Wayne at 757-913-5653.
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 Chris Wayne at 757-913-5653.
Equal Housing Opportunity: We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status or national origin.
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Habitat for Humanity Peninsula & Greater Williamsburg
11011 Warwick Blvd | Newport News, VA 23601 FEDERAL TAX ID: 52-1431619 For Voice Relay Service (TTY/TTD/TT), dial 7-1-1, then call us at 757-913-5647. About Us
Habitat for Humanity builds homes, communities and hope in the cities of Hampton, Newport News, Poquoson and Williamsburg, plus the counties of Charles City, James City, New Kent and York, Virginia. |
Habitat ReStore Locations
371 Chatham Drive | Newport News, VA 23602 Phone: 757-596-5553, Option 4 1303 Jamestown Road | Williamsburg, VA 23185 Phone: 757-596-5553, Option 5 FREE PICKUP HOTLINE: 757-932-8976, Option 1! SHOP ONLINE! https://restorepgw.square.site/ Vertical Divider
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