Homeownership
Program
Applications for participation in the Homeownership Program are currently closed.
Most Recent Application Deadline: March 24, 2026
How Does it Work?
Some think that Habitat houses are given away or donated. The truth is that Habitat homeowners qualify for affordable loans and make monthly mortgage payments along with property taxes and homeowner’s insurance. Future homeowners are involved in every step of the home buying process - volunteering with our Team, getting to know our staff, and learning skills to become successful homeowners.
Qualified Applicants
​
-
...are willing to partner with Blue Ridge Habitat for Humanity, attend homebuyer education courses and invest sweat equity to prepare for the responsibility of homeownership.
​
-
...have steady annual income that falls within the eligibility range (Ranges are based on Housing and Urban Development (HUD) Income Limits for the City of Winchester)
​
-
...are facing affordable housing challenges like high rent, unsafe conditions, frequent moves or housing instability.
​
-
...have lived or worked in the Blue Ridge Habitat service area for at least one year.
​
-
...don't currently own a home.
​
Example Annual
Income Eligibility
(Based on family size)
$39,600 to $63,350
$45,250 to $72,400
$50,900 to $81,450
$56,550 to $90,500
$61,100 to $97,740
One
Two
Three
Four
Five
Blue Ridge Habitat Service Areas
City of Winchester
Frederick County
Clarke County
Shenandoah County
Getting Started
Once an application window is announced, start your application by gathering the documentation listed on the Application Checklist. This includes your past six pay stubs, last two years' W2s, tax returns, photo IDs, birth certificates and more. Once you've gathered all the required documents, the application should only take 15-20 minutes to complete.
Note: Incomplete applications without the required documentation will not be considered.
​​​
Habitat’s path to homeownership is an in-depth process requiring hard work, time and dedication. This helps ensure the long-term success of Habitat homeowners. You can do it!​