Before they became homeowners, many Habitat for Humanity partner families did not even realize they qualified. Browse the qualifications below to see if you may be a candidate for purchasing a home. You may be surprised to learn that you qualify!

You may qualify to purchase a Habitat for Humanity home if:

  1. You are a U.S. citizen or a lawful permanent resident.
  2. You have not owned a home in the past 3 years or had a foreclosure in 7 years.
  3. You currently live in an inadequate or unsafe home; and/or overcrowded home; and/or a physically unsafe neighborhood; and/or are not able to obtain conventional mortgage financing.
  4. You are willing to invest in 350 hours of sweat equity labor in helping to build your house and the houses of others.
  5. You agree to attend mandatory Homeownership educational workshops.
  6. You are committed to living in a drug-free and crime-free community.
  7. You are aware that all members of your household who are 18 years or older must not be listed on the sex offender registry and each individual must pass a national criminal background check.
  8. You can show proof that your family’s income falls within the income guideline. You understand that income must be counted for all family members over 18 years of age.
  9. You will pay off all judgments within 90 days of application.
  10. You will set up payment plans to pay off all collections.
  11. You understand that if you have ever filed bankruptcy, it has been 5 years since the discharge of a Chapter 7 bankruptcy or at least 3 years since the discharge of a Chapter 13 bankruptcy.
  12. You understand that you will be required to pay a cash down-payment of $1,000, to pay $500 prior to closing to cover your first year’s homeowners insurance and closing costs, and to make a monthly mortgage payment that will not exceed 29% of your gross income.
  13. You agree to live in your Habitat home as your principle residence.

Income Guidelines

Richmond Metropolitan Habitat for Humanity follows HUD’s Area Median Income (AMI) guidelines to establish eligibility using relationship of family size and income limits. The guidelines below represent the incomes and family size at which we determine eligibility for homeownership:


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