Homeownership in Richmond, VA
We are not currently accepting applications for our Homeownership Program.
Read more to find out if you might be eligible for our program.
We serve the City of Richmond, Chesterfield County, and Henrico County 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)
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.