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Homeownership Program

GREATER CHARLOTTESVILLE HABITAT

Foundation Annual Housing Grants for NonprofitsAffordable Housing Grants
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Funding Amount

Varies

Deadline

Rolling / Open

Grant Type

foundation

Overview

Homeownership Program Overview

Organization: Habitat for Humanity of Greater Charlottesville

Program Status: Applications currently closed; note states "Applications are temporarily closed. Kindly revisit for upcoming openings."

Previous Deadline (historical): October 25, 2025

Geographic Scope: Charlottesville, Albemarle, Greene, and Louisa counties

Program Description:
Partners with qualifying individuals and families to purchase homes with affordable mortgages. Qualified homeowners pay an affordable monthly mortgage that is no more than 30% of their gross monthly income. Habitat builds 2, 3, and 4-bedroom homes.

Homebuyer Engagement Requirements:
Habitat homebuyers are strongly engaged in every step of the homebuying process:

  • Volunteering with Habitat

  • Attending monthly financial coaching meetings

  • Participating in classes to become successful homeowners

    • Eligibility Requirements

    Applicants must meet ALL of the following:

  • Residency/Employment: Must have lived or worked in Charlottesville, Albemarle, Greene, or Louisa for at least the previous 12 months

  • Income Limit: Maximum household income is 60% of Area Median Income (AMI) as defined annually by the U.S. Department of Housing and Urban Development

  • First-Time Homebuyer Status: Be a first-time homebuyer or have not owned a home within the last 3 years

    • 2025 Income Guidelines (60% AMI):

  • Household of 1: $4,405/month

  • Household of 2: $5,035/month

  • Household of 3: $5,665/month

  • Household of 4: $6,290/month

  • Household of 5: $6,795/month

  • Household of 6: $7,300/month

  • Household of 7: $7,800/month

  • Household of 8: $8,305/month

  • Additional member: $500/month

    • Selection Criteria

    Habitat considers the following when selecting future homeowners:

    Need for Housing: Both financial and housing need for individuals and families

    Ability to Pay: Future homeowners will pay affordable mortgage payments that are no more than 30% of gross monthly income

    Willingness to Partner: Applicants must show willingness to work with Habitat in a true partnership, including:

  • Disclosing financial information

  • Volunteering with Habitat

  • Completing the homebuyer education program

    • Contact Information:

  • Phone: 434-293-9066

  • Address: 967 2nd St SE, Charlottesville, VA 22902

  • Tax ID: 54-1574925

    • How to Apply

    How to Apply for Homeownership

    1. Complete Homeownership Interest Form
    - Complete the form to be notified when the next application cycle opens
    - Submit via their online form
    - Note: The interest form is NOT an application

    2. Attend Application Information Meeting (AIM)
    - You will be contacted to schedule and attend an Application Information Meeting
    - At the meeting you will:
    - Review steps in the application process
    - Learn about current home designs
    - Discuss program requirements
    - Set expectations for Habitat Homeownership

    3. Complete AIM Quiz
    - Must complete the AIM quiz after attending an Application Information Meeting
    - Taking the quiz provides access to Habitat's Online Homeownership Application

    4. Submit Online Application
    - Complete Habitat's Online Homeownership Application

    5. Submit Supplemental Documentation
    - Submit supplemental income, credit, and debt documentation as requested by Habitat staff

    6. Financial Interview
    - Complete a financial interview with Habitat staff
    - Review income, debt, and program requirements

    7. Home Pre-Selection
    - Meet with staff to review home designs
    - Reserve a future Habitat home

    8. Homebuyer Approval
    - Habitat Board of Directors meets to formally approve new homebuyers to the program

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    Focus Areas & Funding Uses

    Fields of Work

    housingaffordable-housing

    Categories

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