Homeownership
Program
Applications for participation in the Homeownership Program are currently open!
This application round is specifically for individuals or families interested in a 1 bedroom/ 1 bathroom home in the City of Winchester's historic North End neighborhood.
Read more about the Norris Village Phase III project.
Current Application Deadline: August 21, 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
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...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.
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...have steady annual income that falls within the Department of Housing and Urban Development (HUD) Income Limits. HUD Income Limits as of May 2026:
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...are facing affordable housing challenges like high rent, unsafe conditions, frequent moves or housing instability.
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...have lived or worked in the Blue Ridge Habitat service area for at least one year.
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...don't currently own a home.
Example Annual
Income Eligibility
(Based on family size)
$37,650 - $60,200
$43,000 - $68,800
$48,400 - $77,400
$53,750 - $86,000
$58,050 - 92,800
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Two
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Blue Ridge Habitat
Service Areas
City of Winchester
Frederick County
Clarke County
Shenandoah County
Getting Started
Join our free information session designed for first-time homebuyers in our region. This workshop provides a clear, step-by-step overview of the homebuying process—from preparing your finances and understanding credit, to exploring mortgage options and local down payment assistance programs.
Learn about resources specific to our communities, including affordable homeownership opportunities, housing partners and service providers, and housing counseling support. Whether you're just beginning to think about buying or actively preparing, this session will help you build a strong foundation and connect you with the tools and partners you need to succeed.
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!