FIRST-TIME HOMEBUYER PROGRAM
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REVISED APPLICATION PROCEDURES: Due to the coronavirus pandemic, application processing will likely take longer than usual, so please be patient with our staff as they work hard to process hundreds of applications despite limitations.
TROUBLE GATHERING CHECKLIST DOCUMENTS? If you are having trouble gathering the application checklist documents (proof of income & lease) due to COVID-19 closures, we understand. You may still submit your application and processing fee, so we can run our credit analysis first. After we process your initial application and credit analysis, you will receive a letter in the mail with information regarding next steps. Applications received without checklist documents will experience a small delay in processing with this added step, but will still be processed. |
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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.
HAMPTON, NEWPORT NEWS & JAMES CITY COUNTY Applications for new construction and renovated homes in Hampton, Newport News and James City County will be accepted in April. Due to statewide business closures, the application package will only be available at the program office, both ReStore locations and online for the entire month of April. There will be no applications accepted in August. HOMES FOR SALE - Click here to preview addresses for the April applications! VETERAN or FORMER MILITARY MEMBER? Visit our Habitat for Heroes page to read more about Habitat's partnership in the military community! 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! |
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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.
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If 1 Person Living in the Home
Family income must be at least $25,020, but less than $44,450 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 $28,575, but less than $50,800 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 $32,130, but less than $57,150 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 $35,685, but less than $63,450 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 $38,565, but less than $68,550 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 $41,400, but less than $73,650 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 $44,280, but less than $78,700 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 $47,115, but less than $83,800 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.
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 Natasha Bugey, MPA 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.
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 Natasha Bugey, MPA at 757-913-5653.
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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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