FIRST-TIME HOMEBUYER PROGRAM
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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 newly-built and renovated homes in Hampton, Newport News, and James City County are accepted every April. The application package will be available at the local libraries, housing authorities, the James City County housing office and online for the entire month of April, unless otherwise noted. 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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