Homeownership

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Homeownership in Richmond, VA

Our Homeownership Program is currently at capacity and applications are not being accepted.

Please note: Applications will not be accepted in March.

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Read more to find out if you might be eligible for our program.

We serve the City of Richmond and Chesterfield and Henrico Counties in Virginia. Interested in another area? Find your local Habitat Affiliate here.

Find out if you may qualify!

Need

Your current housing is either:

  • Overcrowded
  • Substandard
  • Unsafe
  • Not affordable
  • Not handicapped accessible

Or

  • You can’t qualify for a traditional mortgage

Income (changes annually)


CalcXML Financial Calculators

 

Credit History

  • If you have accounts in collections, they must be paid or have a repayment plan that is realistic to accomplish in 12 months or less and/or prior to construction on your home beginning
  • All judgments and liens must be satisfied
  • Stipulations on bankruptcy and foreclosure apply
  • To obtain a free copy of your credit report visit annualcreditreport.com

Sweat Equity

Sweat Equity is required volunteer hours applicants can obtain through working on your home, the homes of others in our program, working at the ReStore, attending classes and one-on-one budgeting meetings.  Applicants must be willing to partner with Habitat by working 350 hours.

If you are in need of housing, have served in the military and were generally or honorably discharged you may qualify for the Habitat for Heroes program. Those who qualify for this program will not only receive an affordable mortgage, they will also receive a 25% discount in forgivable financing off the appraised value of the home and a reduction in the amount of sweat equity hours required (only 200 hours versus 350 for the regular program).

Contact

Questions about becoming a partner family? Please send an email to jpresley@richmondhabitat.org or call 804-232-7001 ext. 160.

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.

Habitat for Heroes – Spring’s Story

Spring Cambric enlisted in the Navy at the young age of 16. Many of her friends were starting to get into trouble, and she wanted to make sure she stayed on the right path.  She was also excited by the opportunity to leave Richmond and do something different with her life.

Richmond Metropolitan Habitat for Humanity has a special Homeownership Program for Veterans called Habitat for Heroes. Through this program, veterans who qualify will not only receive an affordable mortgage, they will also receive a 25% discount in forgivable financing off the appraised value of the home and a reduction in the amount of sweat equity hours required.

Learn More

 

Help Revitalize the Richmond Community, Today

We help as many families as we can, but the lack of affordable, safe housing remains a critical problem in our area. Habitat for Humanity in the Richmond Metropolitan area is committed to making affordable and safe housing a reality for low-income families. And with the help of donations, volunteers, proceeds from our ReStore, and hard work from our home buyers, we’re making that dream possible for hundreds of residents in the Richmond Metropolitan area.

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