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Homeownership Program

Habitat's Homeownership Program

To Qualify

As active participants in building a better future for themselves and their families, qualified program partners demonstrate willingness, need, and ability.

  • Willingness
    • Families must be willing to partner with Habitat. Once selected, families will provide "sweat equity," or volunteer work, during the time their home is being worked on. At a minimum, they must provide 250 hours of service on buildsites, in the ReStore, or other approved volunteer activities.  
  • Need
    • Families must also demonstrate a financial need to qualify. This is calculated as a percentage of the Area Median Income (AMI). To determine if you are income-qualified, compare your regularly occurring gross annual income to the chart below. Your income should include most funds you are receiving, including social security, disability, and/or child support. SNAP (food stamps) and TANF are not counted as income.
  • Ability
    • Habitat works on a hand-up not a hand-out model. Potential home buyers must have a steady income in order to pay an affordable mortgage. This is determined by the Area Median Income (AMI). AMI is based on the gross household income (i.e. the income of everyone who will in live in the home before taxes) and family size. For example, a single head of household with 2 children is a family of 3. On the other hand, 2 adults with one child is also a family of 3. Finally, AMI is evaluated by where the home will be located.

Other Important Information

Blue Ridge Habitat is constantly searching our geographical service area real estate market for appropriate homes and/or lots to purchase as part of our property inventory. Nevertheless, we may not always have a home available that fits the family’s needs, at the time the family is ready for assignment. Acceptance into the Blue Ridge Habitat program DOES NOT GUARANTEE you will receive a home.

Candidate families are selected from approved applicants.

All the information about candidate families collected by Blue Ridge Habitat for Humanity is confidential. Please make a copy of all the materials you send to us and keep your records together in a safe place.

Once a home is completed, and the family has completed their requirements, it can sometimes take up to two years before closing on the house, especially when certain governmental funding sources are involved.

Habitat Homeownership Application

APPLICATIONS WILL OPEN ON AUGUST 15 & WILL CLOSE ON SEPTEMBER 15. Applications will be available that the Habitat Office, the Winchester Restore and online during this time period. Habitat Home Ownership program applications will be available at Home Ownership Information Sessions. Participation in a Home Ownership Information Session is a requirement of submitting a completed application and a great way to learn about the Blue Ridge Habitat program.  REGISTRATION IS REQUIRED.

The Open Application Period for the Homeownership Program is August 15th, 2019 – September 15th, 2019 for the following locations:

  • 516 Fremont Street | Winchester, VA 22601
  • 263 Shenandoah Street | Mount Jackson, VA 22842

Homeowner Information Sessions will be:

  • Monday, September 2nd, 12:00 PM, Location: TBD

Sessions are less than one hour. Please register here. Additional information is also available.



Download Application Now!

Download Application en Espanol!

Our Partners

  • ReStore
  • United Way of NSV
    United Way of NSV
  • Wells Fargo
    Wells Fargo
  • American Woodmark
  • Home Depot
    Home Depot
  • Lowes
  • Ferguson
  • HUD
  • Christopher Peacock
    Christopher Peacock
  • Loudoun Stairs
    Loudoun Stairs
  • Melnor
  • Frogale Lumber
    Frogale Lumber