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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, the sale of the home is triggered. Please be aware that it can sometimes take time before closing on the house, especially when certain governmental funding sources are involved.

Blue Ridge Habitat for Humanity is an Equal Housing Lender and all programs proactively comply with Federal and State Fair Housing and Lending laws and regulations. More information can be found here.

Habitat Homeownership Application

The application process is now open! We are looking for families for homes in Winchester and Strasburg VA! Click the button below for more detailed information about the homes, qualifications, and an application. 



Our Partners

  • United Way of NSV
    United Way of NSV
  • Wells Fargo
    Wells Fargo
  • HUD
  • Norris Village Phase II
    Norris Village Phase II
  • TVRC logo
    TVRC logo